Sources
Premium data — the same tier as TLO, IRBsearch and IDI.
This is not a discount file behind a cheaper interface. Locates here are built on
premium credit header data — the identifying portion of a credit file, not the
credit report itself. That means name, known addresses, phone numbers and date-of-birth fragments,
sourced from all three nationwide credit bureaus, together with alternative bureaus
that capture people the big three cover thinly.
That base is the same premium tier TLOxp, IRBsearch and IDI are assembled from.
Where we go further is the alternative bureaus layered on top: they carry the thin-file and no-file
subjects — recent immigrants, young debtors, people living largely in cash — that the big three
cover sparsely. Easy subjects resolve anywhere. Those are the ones that decide a matter.
Every material field also carries source attribution, and each result is marked
single or corroborated by how many independent
sources agree — rather than merged into one confident identity with no provenance. More depth, and
more signal about which of it you can act on. See the full comparison.
On top of that sit public record files: property and vehicle registries, business filings and UCC,
court records, and licence data. Premium sources, billions of records, cross-referenced so that a result
corroborated by two independent sources can be distinguished from one that rests on a single file.
Continually updated, and never served from a cache
The underlying files refresh continuously as bureaus, registries and courts report — address
changes, new filings, new phone assignments. Every search you run queries the current file at that
moment. We do not hold a periodic snapshot and re-serve it, and we do not return a previous
customer's result to you as if it were fresh.
Your own results are retained for 30 days so you can re-open them, then purged. Re-running a
subject later returns what the sources say then, not what they said before — which is the
entire point when someone has moved.
Credit header is not a credit report
Header data carries no account numbers, balances, tradelines or scores, and nothing here is a
consumer report under the FCRA. Results may not be used for credit, insurance, employment,
housing or any other FCRA-permissible purpose. See compliance for what
each permissible-purpose code does and does not allow.