| Newsletter |
Ask Margery
Margery Lambert, our research guru, answers some interesting
questions form our clients. If you have a question that you
would like answered, please
email
Margery and we may use it in a future newsletter. |
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Q I would like to find out where [name omitted] is working right now.
A There is no public database of employees and employment records are
private, not public record.
The way private investigators ascertain a person's employment is by getting up
early
and parking near the subject's residence; then following the subject to work.
If you have the subject's permission (a signed release), you might
obtain a credit report; an employer might be listed.
Q How long do liens, judgments, and UCCs remain active, or in effect, if not
released?
A The Fair Credit Reporting Act details this information. For the complete text
of FCRA, see the following site:
http://www.ftc.gov/os/statutes/031224fcra.pdf
Following are the time frames for various types of records
(obtained from
CareCredit)
Chapter 7 Bankruptcy: 10 years from date of filing.
Chapter 13 Bankruptcy: 7 years from date paid in full and 10 years if not paid
as agreed.
Judgments: 7 years from date filed.
Foreclosure: 7 years from date foreclosed.
Collection accounts: 7 years from the date of delinquency with the original
creditor.
Paid Tax Liens: 7 years from date paid.
Unpaid Tax Liens: Indefinitely from date reported.
Trade lines (line of credit or loan): 10 years from the date paid in full or
closed.
Charge offs: 7 years from date of original delinquency.
Closed accounts: 10 years from date closed if paid as agreed.
Payment Patterns:
Credit grantors typically do not consider payment history older than 2 years,
but can remain on for as long as 7 years.
Credit Inquiries: 2 years (placed by subject or a creditor)
Adverse information: may remain up to 7 years from date of delinquency.
Q I have been approached by two individuals who are
are interested in partnering with my company and being the exclusive distributor
of my product line. Thus far things have proceeded nicely but I do not have any
background to validate who they say they are. I've never been here before, but I
have been ripped off, and want to be smart in my dealings.
A You are wise to want to do your background search work prior to entering into
a financial relationship.
We offer several different profile
reports depending on what information you want searched. At the least you want
is confirmation of identities and other information your subject has
provided, plus you want to know about any financial difficulties and criminal
records each person may have. This can be ascertained with our basic background
search report.
If your potential business partners already have a business in place, then it
would make sense to order our business background search, which includes a very
thorough business credit check.
If you want verification of their employment and/or educational status, our
employee screening report has been designed for that purpose. Note: we require
that you provide this information; then we verify it.
The more information you can provide up front about each individual (DOB, SSN,
address, full name, etc.) the easier and quicker it will be to establish a
positive i.d. and proceed with the searches you desire.
Q
Someone I am doing a check on claims that he was commercial
airline pilot. Can you confirm this through the Federal Aviation
Administration (FAA)?
A
Yes, we can check FAA records. However, in some cases the FAA advises that its
database will not return information without both a full Social Security Number
(SSN) and full certificate number.
Q
I was married to a US citizen and military veteran. We separated and I now live
outside the US, though our son is still in the US. As far as I know, no
dissolution papers were ever filed. I need to know if I am still legally
married.
He recently died in (city omitted) Also, do I or my son have any benefits such
as social security or veteran's pension?
A
If you think your husband may have filed for divorce in the county where the
city is located, you can check for divorce records at the county Superior Court.
You can also check for vital records (including death certificates) at the
county courthouse.
Veterans Administration offices may also be helpful.
If you need to determine other locations your husband may have lived in
order to try to trace his records, all of our background search reports include
a trace detail.
Q Can you conduct ONLY real estate property/assets searches (without the whole
package)?
A
We do offer a profile report that focuses on assets. However, we also search
records for liens, UCC filings, judgments, evictions, and possible businesses
because they can point to other financial information that is not part of the
public record.
The reason we regularly conduct searches of name, addresses, and criminal
records is that they establish the person's identity and help determine
associations and characteristics that wouldn't otherwise be revealed .
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$50
FREE SEARCHES |
Referral Program
INVESTIGATIVE PROFESSIONALS announces our New Referral Program. All
business members who refer a new business client will receive $50 WORTH OF
FREE SEARCHES when their referred company spends $50! It's easy:
just have your friend type your COMPANY NAME in the REFERRED FIELD
field on our application. Simple: they spend 50 bucks, you get 50
bucks. Each month the member that refers the most new members will
receive an ADDITIONAL $100 WORTH OF FREE SEARCHES! |
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