The American Repossessor

KALISPELL, MT – November 23, 2009 – Upon completing an in-depth audit and negotiation process, Merlin and Experian have agreed to a long-term licensing arrangement. Merlin now offers Experian credit header data to a variety of qualified industries, including repossession. The monthly updated file includes names and AKAs, phone numbers, up to eight previous addresses, birthdates, and Social Security numbers (truncated in some applications).  Access to the data is restricted based on the provisions of the 1999 Gramm-Leach-Bliley Act.

The Experian credit header has long been considered the industry’s most current and complete skiptracing database and Merlin is proud to have passed Experian’s rigorous qualification requirements to become a distributor. For qualified customers, Merlin incorporates the Experian credit header data into its Link to America™ products, the Investigator Background Report, and also offers it as a standalone credit header search. The data is managed in Merlin’s state of the art data center, creating added control and flexibility. Customers enjoy faster search times and better results with no increase in price.

For those new to skiptracing, a credit header is the top portion of a credit bureau report. It does not contain any credit information and is therefore not restricted by the Fair Credit Reporting Act. The data is searchable by any combination of name, address, SSN, or date of birth. Because each individual can have up to eight previous addresses, a search by name plus an old address will often produce a current address, making credit headers an excellent source for locating people.