A database contains data; it doesn’t interpret it for you. We have all seen the reporting date next to the address history of a subject but few of us stop and ask how that date is derived. It could be an address that the subject first utilized years ago but will show a recent reporting date if a creditor or collector runs a credit pull using a subject’s name with that old address as an identifier. What was old is now deceptively new not to mention costly if you are having a process server making service attempts at that old address. Simply put, we know the game and we’re better at it than those who seek to evade.
When considering a Skip Trace, five important key points must be considered:
- Is it fiscally sound to trace the person, business or collateral?
- Is the subject a person, business or collateral?
- Is the subject actively evading or has the subject simply moved on over time?
- What identifying information is known about the subject?
- If you are reviewing a database search, know what data you are reviewing and how it was derived.