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Assets, Property & Income Search |
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Search Motor
Vehicles, ATV's, Boats, Aircrafts, Businesses, Corporations, LLC's, Houses, Buildings, Real Estate, Ownership and Income
range. Returns assets associated with name or address and
Purchasing or shopping demographics associated with name or
address. Covers Public resources. Motor Vehicles - Only Make, Model and
Year. |
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Search Businesses Owned by Person |
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Returns information on ownership of
business by a person. Results may include possible affiliations
with Businesses. Available by state or nationwide. |
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Look up
Income / Salary |
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Income lookups can be used by many
businesses such as headhunters, employers, landlords, mortgage
bankers, brokers and other verifiers. You lookup various
databases, updated directly from employer's payroll records,
income / salary databases. Lookup with consent generally
includes factual income results and without
consent generally includes results through public resources or
information submitted by the subject. |
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Lookup
Employment history |
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Lookup employment history. |
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Tax Record & Value of Real Estate Owned by Person or
Business |
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Search returns
records on real estate transactions, including tax assessor
(latest tax roll) and transfers (deed transfers). Each record
may vary slightly in the amount of information that is provided
(i.e. only a percentage of the records may contain a phone
number). However, most tax assessor records should contain tax
assessment information, while most deed records will only
contain the deed transfer information and the sales information.
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Search
Location of Bank Account |
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Searches public records and the
public internet for any locations of bank account. Will not
search for or return account numbers or balances. |
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Nationwide Real Property Search |
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Searches all 50 states, Puerto Rico
and US Virgin Islands for Real Property owned by an
individual. |
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National
Bankruptcy Search |
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Searches every state
for filings to include all personal and corporate bankruptcy
chapters. |
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What are Credit Scores and how to read
them?
A credit score is a numerical index which represents an estimate
of an individual's financial creditworthiness. It is based on a
subset of the information in an individual's credit report.
Lenders, such as banks and credit card companies, use credit
scores to determine credit limits and interest rates.
The best-known credit score in the United States is the FICO
score calculated using mathematical formulae developed by the
Fair Isaac Corporation. The three major American credit-report
agencies (Equifax, Experian and Trans Union) all use variations
on this scoring formula under different names, the best-known of
which are the Beacon score and the Emperica score. FICO scores
and its variants are designed to measure the risk of default, by
taking into account various weighted factors:
35% punctuality of payment in the past 30% capacity used,
i.e., ratio of current revolving debt (e.g. credit card
balances) to total available revolving credit (e.g. credit
limits) 15% length of credit history 10% types of credits used
(installment, revolving) 10% amounts of credits applied for in
the recent past The above percentages are approximate. Current
income and employment history do not influence the FICO score.
There are other special factors which can weigh on the FICO
score. One is that any monies owed because of a court judgement,
tax lien, or similar carry an extra negative penalty, especially
when recent. Having above a certain number of consumer finance
company credit accounts also carries a negative weight (critics
say that this causes a vicious cycle, locking people into
continuing to use consumer finance companies). The number of
recent credit checks also can weigh down the score, although the
credit agencies allow for credit checks made within a certain
window of time to not aggregate, so as to allow the consumer to
shop around.
FICO scores range from about 300 to 850 and exhibit a
left-skewed distribution with a median around 725. A score above
720 is considered to be "good credit," and a score below 600 is
considered to be poor. In September 2004, a Texas utility
company began setting individualized electricity prices based on
credit score.
As a result of the FACT Act (Fair and Accurate Credit
Transactions Act), free reports will be phased in during a
nine-month period, rolling from the West Coast to the East
beginning December 1, 2004. Beginning September 1, 2005, free
reports will be accessible to all Americans, regardless of where
they live. |
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