For those of us working on the collections side, we are working from a credit application and may have other resources to locate and confirm an old or a new job.
If the credit grantor had the debtor complete an Employment Verification form, then this form would be good at a later date as well for collections. If not, well here is the rest of my process:
Run all the database pulls and print them. Keeping your results from data base results will help you assimilate the skip tracing process.
Look for phone numbers that are newer or different than what you have been calling, run those through Google or your favorite search engine to see if they are used in advertising by a business with a commercially zoned address.
Check out the Google Street View and see what is at that address. Sometimes small business use mail drop boxes such as UPS Shipping Center mailbox rentals. This is not necessarily a dead end, but just a bump in the road.
When pulling a full credit report remember that a debtor has to use the information to apply for credit three or four times for it to appear on a credit header. So if you are getting old job information, wait awhile (a few weeks or a month) and pull it again.
Experian’s eSolutions has an option you can tick without having to pay for a full credit report to get reported employment information for an additional .30 cents.
Equifax’s First Search will report all phone numbers in their search regardless of the number being a work, cell or home phone. I just Google them or use the process I wrote about earlier in this blog.
Field work could yield results just as fast as a computer search on a professional database. Look for employer owned auto sitting in the driveway. Verification is just a phone call away. Other things field agents do is interview the neighbors. You might find a talkative neighbor that will let you know what time your subject leaves in the morning to go to work giving you a window of opportunity to get your job done.
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