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Asset Search

Search Assets

Search all U.S. States, for assets.

Asset is classified as everything one owns. Stocks, bonds, money you have saved in the bank, cars, RV’s, boats, real estate, airplanes, office or household furnishings are all considered assets. There are three basic categories of assets:

Tangible Personal Property

Computers, bank accounts, stocks, bonds, vehicles, equipments, inventory, telephone systems, applicances, and paid insurance policies with cash value. Tangible personal property includes any item of value that any entity such as a person or a company owns or posesses. Ownership is determined either by possession or licensing such as in case of vehicles, boats, automobiles, mortorcybles and airplanes.

Intangible Personal Property

Patents, royalty agreements, contracts, accounts receivable, promissory notes, wages or other income are considered intangible personal property.

Real Property

Any real estate such as lands, homes, condominiums, apartments or commercial buildings are classified as real property.

In determining the assets of a household, the following must be included and documented in detail.

 

Liquid Assets

Types of liquid assets include but are not limited to the following:

  • Cash
  • Money in your checking, money market or savings accounts.
  • Stocks or bonds.
  • Non-Liquid Assets


Types of non-liquid assets include but are not limited to the following:

  • Personal property
  • Licensed and unlicensed vehicles
  • Buildings
  • Land
  • Recreational properties

Assets, Property & Income Search
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Search Motor Vehicles, ATV's, Boats, Aircrafts, Businesses, Corporations, LLC's, Houses, Buildings, Real Estate, Ownership and Income range. Returns assets associated with name or address and Purchasing or shopping demographics associated with name or address. Covers Public resources. Motor Vehicles - Only Make, Model and Year.

Search Businesses Owned by Person
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Returns information on ownership of business by a person. Results may include possible affiliations with Businesses. Available by state or nationwide.

Look up Income / Salary

  
Income lookups can be used by many businesses such as headhunters, employers, landlords, mortgage bankers, brokers and other verifiers. You lookup various databases, updated directly from employer's payroll records, income / salary databases. Lookup with consent generally includes factual income results and without consent generally includes results through public resources or information submitted by the subject.

Employment history
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Lookup employment history.

Tax Record & Value of Real Estate Owned by Person or Business
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Search returns records on real estate transactions, including tax assessor (latest tax roll) and transfers (deed transfers). Each record may vary slightly in the amount of information that is provided (i.e. only a percentage of the records may contain a phone number). However, most tax assessor records should contain tax assessment information, while most deed records will only contain the deed transfer information and the sales information.

Search Location of Bank Account
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Searches public records and the public internet for any locations of bank account. Will not search for or return account numbers or balances.

Nationwide Real Property Search
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Searches all 50 states, Puerto Rico and US Virgin Islands  for Real Property owned by an individual.

National Bankruptcy Search
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Searches every state for filings to include all personal and corporate bankruptcy chapters.

What are Credit Scores and how to read them?

A credit score is a numerical index which represents an estimate of an individual's financial creditworthiness. It is based on a subset of the information in an individual's credit report. Lenders, such as banks and credit card companies, use credit scores to determine credit limits and interest rates.

The best-known credit score in the United States is the FICO score calculated using mathematical formulae developed by the Fair Isaac Corporation. The three major American credit-report agencies (Equifax, Experian and Trans Union) all use variations on this scoring formula under different names, the best-known of which are the Beacon score and the Emperica score. FICO scores and its variants are designed to measure the risk of default, by taking into account various weighted factors:

35% punctuality of payment in the past 30% capacity used, i.e., ratio of current revolving debt (e.g. credit card balances) to total available revolving credit (e.g. credit limits) 15% length of credit history 10% types of credits used (installment, revolving) 10% amounts of credits applied for in the recent past The above percentages are approximate. Current income and employment history do not influence the FICO score.

There are other special factors which can weigh on the FICO score. One is that any monies owed because of a court judgement, tax lien, or similar carry an extra negative penalty, especially when recent. Having above a certain number of consumer finance company credit accounts also carries a negative weight (critics say that this causes a vicious cycle, locking people into continuing to use consumer finance companies). The number of recent credit checks also can weigh down the score, although the credit agencies allow for credit checks made within a certain window of time to not aggregate, so as to allow the consumer to shop around.

FICO scores range from about 300 to 850 and exhibit a left-skewed distribution with a median around 725. A score above 720 is considered to be "good credit," and a score below 600 is considered to be poor. In September 2004, a Texas utility company began setting individualized electricity prices based on credit score.

As a result of the FACT Act (Fair and Accurate Credit Transactions Act), free reports will be phased in during a nine-month period, rolling from the West Coast to the East beginning December 1, 2004. Beginning September 1, 2005, free reports will be accessible to all Americans, regardless of where they live.