What is Credit Header?

Estimated reading time: 4 minutes

When you’re looking for more information about a customer or vendor, there are a number of pieces of information you might need to find. Credit header data is a great way to gather a significant amount of knowledge on a specific client or vendor, which can make it easier to move forward in your professional relationship. However, even with a high-quality credit header search, it can still be difficult to know exactly what you can use credit header data for. Here’s everything you need to know about this data.

What is credit header data?

First off, what does “credit header” mean in the first place? A simple way to explain credit header data is that it’s the identifying information you might find in a credit report. When you run a credit header search, you’ll receive information that someone might gather from a credit score report. This can include all of the following:

• Full name.
• Name variations.
• Current address.
• Former addresses.
• Telephone numbers.
• Unlisted telephone numbers.
• Typically incomplete date of birth.

You can see how beneficial all of this information can be if you’re a business trying to reach out to brand new or existing customers. This type of data isn’t regulated under the Fair Credit Reporting Act because it’s not part of a customer’s credit history, which means you can use it in a variety of ways for your business’s benefit.

Who can use credit header data?

Credit header data is great for a variety of industries and professionals. That’s because credit header data stretches across all sorts of pieces of information. No matter who you are, there’s a pretty good chance you’re going to be able to use credit header data to push your company a little bit further because of the various implications for credit header data.

For example, as a large corporation, you may need to make sure only certain people are able to see specific information. Credit header data can help you with identity verification and authentication, ensuring that only the right people are going to get through to the information in question. With credit header data, it becomes much easier to understand customers.

What does credit header data reveal?

The information available through credit header data can give you all sorts of insight into someone’s past and present. It can even help you understand a little bit more about their future if you’re good at using it. That’s because there are a number of different ways to use credit header data.

Credit header data can help you with debt recovery assessment, for example, because it can be an important element of discerning whether someone may end up being able to repay their debts. Credit header data can also help you skiptrace or batch skip individuals by providing you with contact information and how to find an address. When you have credit header data, you’re going to learn a lot about someone, which is why it’s so sought after.

What can I do to start using credit header data?

Credit header data can be extremely beneficial for your company’s continued functioning. If you’re able to gather credit header data on your customers or vendors, you can make it much easier to reach out to more people and feel comfortable in your business’s processes. The best way to do that is with a credit header search through Tracers or other web based debt collection software.

Because Tracers pulls information from so many different sources, it’s easy for you to gather credit header data and even more when you run a search with Tracers. Sign up for Tracers today to start taking your data gathering processes more seriously, no matter what you’re doing with them right now.

Strengthen your business with the usage of credit header data

As you can hopefully see, your business can certainly benefit from credit header data in a variety of ways. It is common, however, for businesses not to know how beneficial credit header data can be. Here are just a few of the different areas that credit header data can help with, especially if you aren’t currently using any sort of search products: 

• Legal research.
• Locating witnesses.
• Investigations.
• Law enforcement training.
• Customer identification.
• Customer and vendor risk assessment.
• Know Your Customer.
• Government.
• Insurance data analytics and modeling.
• Healthcare.

Of course, if you’re thinking about other ways credit header data can help your company, it doesn’t matter whether your company industry is on this list. Either way, you can get a high-quality product and reach more people when you use Tracers to make it easier to gather more information about people.