Background check
background check as the business of locating missing persons is known -- may seem to the uninitiated like the modern-day equivalent of the black arts practiced in the Middle Ages.
Professional skip tracers claim to be able to locate just about anybody, anywhere in a matter of minutes by means of a couple phone calls or taps on a computer keyboard.
And they often deliver. How do they do it?
Their main secret is the "social security trace." In using this type of search, they're simply running the subject's social security number through the credit bureaus and getting back so-called "header files" from his/her credit report.
Header files contain only the "header" section of a credit bureau file, which provides the subject's full name, address, and vital information such as date of birth and sometimes even current employment. Header files were, until recently, considered public information under the Fair Credit Reporting Act.
The Graham, Leach Act has, however, restricted their use to "permissable purposes," meaning, essentially, business/investment transactions, insurance, employment, and litigation.
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