Per use fee for liens and judgments reports?

[Neil Aggarwal]

Hey everyone:

The credit reporting agencies stopped including liens and judgments in their reports.  I would like to find a resource for that information on potential borrowers when I am making a loan.

I looked into LexisNexis and FactualData but they want a monthly subscription which is quite high.  I don't make loans that often so it would not be cost effective for me to use them.

Is there a company that offers this information on a cost per report basis?

Thanks,
  Neil

[Chris Gerstner]

TLO is a great product for that. I had access to non-public data through them and depending on whether or not you have permissible reason to pull non-public data, you should be able to use them to find almost anything someone is connected with. I'd use them to find other known associated entities as well as aliases and then run a search using that info on the county sites where you see past addresses. 

It's amazing what these databases can do by just connecting the dots with people. Still some leg work but worth it in my opinion to go that extra mile if you're lending to them.