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CAPrivEye: in our first class we learned that a dossier is necessary to ... CAPrivEye: start a case... CAPrivEye: what is some of information necessary to start or begin a ... CAPrivEye: case?... CAPrivEye: anyone? OnlineHost: MRS39 has entered the room. BCFUNDING: name Margen3: name CAPrivEye: yes! legal and proper name MONTANA192: JOB CAPrivEye: Yes! last known address (if possible)... CAPrivEye: Yes ! SNN (if you can get it) CAPrivEye: Employer and last known telephone numbers are good too!!! MS8904: Name, Address, SS# if you have it or can show us how to get it CAPrivEye: here is what we are looking for:... CAPrivEye: legal name (we must know whom we seek )... CAPrivEye: former address (seven years or less)... CAPrivEye: ssn... CAPrivEye: or other information on our dossier... CAPrivEye: by filing out the dossier CAPrivEye: we can keep our information short and simple... CAPrivEye: but descriptive with the necessary information... CAPrivEye: adding a lot of useless information is unnecessary and ... CAPrivEye: confusing CAPrivEye: we learned that calling someone that has the information is our ... CAPrivEye: best tool... CAPrivEye: and that we have two methods to achieve this... CAPrivEye: and they are?? CAPrivEye: anyone? BCFUNDING: pretexing CAPrivEye: Yes! Margen3: pretexing CAPrivEye: and telling the truth the other... MONTANA192: former employer CAPrivEye: telling the truth is simple to understand... CAPrivEye: but pretexting??? CAPrivEye: what is that? CAPrivEye: anyone? MONTANA192: white lie Margen3: playing a role MS8904: Pretending you are somone you are not. CAPrivEye: well pretending sounds right!... CAPrivEye: the person we want to call we can call an expert... CAPrivEye: they have information we want... CAPrivEye: and they can be found... CAPrivEye: in normal places of business CAPrivEye: like former employers, or alumni associations, etc....... CAPrivEye: and pretexting is used when we want to fit into their ... CAPrivEye: normal... CAPrivEye: operating structure... CAPrivEye: and be accepted immediately and provided access to ... CAPrivEye: information... CAPrivEye: immediately... CAPrivEye: so your imagination is the limit here... CAPrivEye: the rules are simple CAPrivEye: think of how they provide information now and then fit into that... CAPrivEye: structure... CAPrivEye: make your presentations believable... CAPrivEye: and practice!!!!! OnlineHost: Capt J123 has left the room. CAPrivEye: to get really good at it... CAPrivEye: but sometimes we want to use free Internet services... CAPrivEye: and in these cases we are looking to the internet for ... CAPrivEye: databases... CAPrivEye: where is the largest site of databases found? CAPrivEye: but internet sleuth has 2,000 + databases hyperlinked on their ... CAPrivEye: site... CAPrivEye: and the topics are massive... CAPrivEye: the special thing about i sleuth is that only SEARCHABLE ... CAPrivEye: databases... CAPrivEye: are located there... CAPrivEye: meaning you do not need to go through hours of searching ... CAPrivEye: for databases... CAPrivEye: it is generally found at i sleuth... CAPrivEye: a great start for any research project... CAPrivEye: to include missing persons investigations OnlineHost: MRS39 has left the room. CAPrivEye: next class i will go furthier into internet resources CAPrivEye: but this evening i thought I would answer you questions about the really tough cases CAPrivEye: when you need more information MS8904: What is i sleuth? CAPrivEye: they are known as information brokers... CAPrivEye: three types exist today... CAPrivEye: 1 - the original buyer of information... CAPrivEye: this type buys directly from the government... CAPrivEye: or businesses and sells to cleints such as... CAPrivEye: lawyers, PI's, businesses, etc CAPrivEye: 2 - is the piggybacker... CAPrivEye: this type of information broker buyers from the #1 type and... CAPrivEye: resells to others such as indivi... CAPrivEye: duals etc CAPrivEye: 3- is the combination... CAPrivEye: doing both #1 and #2 business, but are more regional in ... CAPrivEye: concept... CAPrivEye: but have national access... CAPrivEye: i use only #1 and #3 types and here are a few examples CAPrivEye: http://www.iqdata.com CAPrivEye: please go there now while i wait here CAPrivEye: i will wait for 5 minutes here OnlineHost: MONTANA192 has left the room. OnlineHost: MONTANA192 has entered the room. BCFUNDING: we went there do you want us to sign up as a member? MS8904: It is telling me that the web site does not exist. OnlineHost: MONTANA192 has left the room. OnlineHost: MONTANA192 has entered the room. MONTANA192: I'm there what do I do OnlineHost: Margen3 has left the room. OnlineHost: MS8904 has left the room. OnlineHost: MS8904 has entered the room. OnlineHost: MS8904 has left the room. OnlineHost: Margen3 has entered the room. OnlineHost: MS8904 has entered the room. CAPrivEye: okay moving on!!!! CAPrivEye: here is a little history on information brokers... CAPrivEye: stats are they manage as many as one trillion records... CAPrivEye: on over 2,000 databases CAPrivEye: most information is bought from various levels of government... CAPrivEye: from city, county to state and federal agencies sell ... CAPrivEye: information... CAPrivEye: in bulk to these information brokers... CAPrivEye: also businesses share information too... CAPrivEye: such as publishers or mail market companies share... CAPrivEye: mailing lists and these are manned up to the minute... CAPrivEye: since mail costs $ MONTANA192: What does it cost to be able to get info from this site MS8904: How do I download the classes or print it out? MONTANA192: I just read the requirements to get info and unless you are a PI or lawyer you can't get the MONTANA192: Info CAPrivEye: i noticed last weeks log us the released in our library so by tommorrow i will have both MONTANA192: So how will this site help us CAPrivEye: tonights and last weeks log up CAPrivEye: so you can download these classes CAPrivEye: the cost of information brokers is varied CAPrivEye: i recommend ones that do not charge startup fees CAPrivEye: and there are many of those MS8904: Where do I go to download? CAPrivEye: in this class CAPrivEye: i will discuss how to sign up for them CAPrivEye: so in 1977 IBM announced the sale of the PC... MONTANA192: OK CAPrivEye: by 1979 Jack Reed a California PI bought a machine... CAPrivEye: starting to learn how to spell computer he... CAPrivEye: begin by programming into memory thousands of records... CAPrivEye: then by 1985 the Federal Trade Commission FTC... CAPrivEye: authorized Jack Reed and his company IRSC to buy and sell... CAPrivEye: credit headers, the race was on... CAPrivEye: the credit header is the top name and address information ... CAPrivEye: on a... CAPrivEye: credit report... CAPrivEye: it also includes employer, former addresses, and telephone ... CAPrivEye: number... CAPrivEye: sometimes spouse too... CAPrivEye: it can be run by SSN or name and address... CAPrivEye: so this is way the last known address is as good as a ... CAPrivEye: ssn!!!!... MS8904: Montana 192 had has a very good questions. How do we access this info if we are not Lawyers CAPrivEye: all the information is reported and logged for seven years... CAPrivEye: it costs about $7 per report... CAPrivEye: the reports are no more than 30 days old... MS8904: or PI's CAPrivEye: and includes everyone in the USA that has credit or ... CAPrivEye: ankruptcy... CAPrivEye: or any credit reporting at all in the last seven years... CAPrivEye: and that is 90% of America!!!!!!!!!!!!!!!!!! CAPrivEye: it is for profit businesses and they want/need to do business... CAPrivEye: to stay in business CAPrivEye: so as a business they sell information to other businesses CAPrivEye: so the point here is BE A BUSINESS CAPrivEye: home businesses count too CAPrivEye: does everyone know how to set up a home business? MONTANA192: NO Margen3: yes MS8904: How do you prove you are a business if you aren CAPrivEye: okay.............business licenses are granted by each city in the UDA CAPrivEye: USA CAPrivEye: they are for sale at about $15-$25 per business, using your SSN as the business tax identifi CAPrivEye: these business licenses can also have a DBA CAPrivEye: or "doing business as" MS8904: So I have to pay U&O taxes? How does taxes fit into this? CAPrivEye: u&O? MONTANA192: So if you tell the site that you gave us that we are in any business they will let us log on MS8904: Use and Occupancy Taxes MONTANA192: and get info CAPrivEye: okay ............maybe i should continue so you get the full picture MS8904: I live in a State that taxes you for being in a business CAPrivEye: okay............let me explain this way..........these information CAPrivEye: broker businesses only do business with other businesses CAPrivEye: so the point here is use an existing business or SOMEHOW start a business CAPrivEye: i am not a tax attorney so i cannot explain any tax MS8904: Simply Incorporate yourself, Yes? CAPrivEye: well that might be more complicated than what i am speaking about CAPrivEye: for example.........Sally's Hair Design MS8904: Not really CAPrivEye: is a DBA for a person that has a shop that does hair CAPrivEye: her name is not really "Sally Hair Design" CAPrivEye: but rather something like Sally K. Smith DBA Sally's Hair Design CAPrivEye: so home businesses are pretty easy to set up........your local city CAPrivEye: should have information or a pamphlet how to do this if you do not have your own business CAPrivEye: now CAPrivEye: butthe point is BE A BUSINESS when you approach these companies CAPrivEye: they simply do not work with individuals CAPrivEye: okay any questions? BCFUNDING: we can pull credit reports and get the same and more info many brokers sell. what are some BCFUNDING: of the brokers selling other info not found on credit reports CAPrivEye: good question ............i will provide some examples for reports here MONTANA192: The site said you had to be a lawyer, PI, or gov worker to get info CAPrivEye: please set bach and enjoy CAPrivEye: here is an example of the real property by address search i... CAPrivEye: recently did. emailing now... CAPrivEye: please wait... CAPrivEye: i will do it right here in class ,,,,,,,,,,,,,,here i go!... CAPrivEye: .................................................................... CAPrivEye: .................................................................... CAPrivEye: ............... CAPrivEye: Search Ref:... CAPrivEye: Street Number: 3024... CAPrivEye: Street Name: FULTON... CAPrivEye: State: CA... CAPrivEye: County: SAN FRANCISCO... CAPrivEye: Record 1 - DAYA,FUAD G & MARTHA 1992... CAPrivEye: Parcel:1649 -011F... CAPrivEye: Site Address:3024 FULTON ST... CAPrivEye: SAN FRANCISCO CA 94118... CAPrivEye: Mail Address:4 FAIROAKS CT... CAPrivEye: SAN MATEO CA 94403... CAPrivEye: County:SAN FRANCISCO C... CAPrivEye: Owner(s):DAYA,FUAD G & MARTHA 1992... CAPrivEye: FAMILY TRUST THE... CAPrivEye: Phone:(650)349-90xx... CAPrivEye: Date:09/01/89... CAPrivEye: Value:$1,000,000... CAPrivEye: Improved:% 70... CAPrivEye: Zone:R4... CAPrivEye: Tax Status:CURRENT... CAPrivEye: Type:APARTMENTS... CAPrivEye: end of report... CAPrivEye: .................................................................... CAPrivEye: .................................................................... CAPrivEye: ........ CAPrivEye: next report is a credit header... CAPrivEye: hold onto your socks folks...........this report is scary ... CAPrivEye: if you... CAPrivEye: have never... CAPrivEye: seen this before... CAPrivEye: i have all this information for $7... CAPrivEye: here i go............................ CAPrivEye: .................................................................... CAPrivEye: .................................................................... CAPrivEye: ........................................ CAPrivEye: SSN: 546-61-26xx... CAPrivEye: Name: CONTRERAS, JOSE MARIA... CAPrivEye: SSN: 546-61-26xx... CAPrivEye: DOB: 38-FEB 20... CAPrivEye: Phone: 209-345-9854... CAPrivEye: Current Address... CAPrivEye: 2576 PHELAN AV., HAYWARD CA. 94545 5/95R... CAPrivEye: Previous Address Reported... CAPrivEye: 262 VIENNA ST., SAN FRANCISCO CA. 94112 3/93R... CAPrivEye: 29 29TH ST., SAN FRANCISCO CA. 94110... CAPrivEye: Current Employer & Address... CAPrivEye: AMERICAS ENTERPRISES... CAPrivEye: hummm........and i can get that and more on everyone... CAPrivEye: see how to find people now?... CAPrivEye: i am using information out of date but normally it would ... CAPrivEye: this... CAPrivEye: month!!!! CAPrivEye: this report is not the credit report CAPrivEye: this report IS the credit header CAPrivEye: and if a credit header you have no tags on the credit report CAPrivEye: it is used by PI's MONTANA192: Again If the site says you have to be a lawyer, PI or Gov worker how do you get info CAPrivEye: to locate individuals within a one month period of timethat have credit Margen3: did you get all this with just the name? MONTANA192: from that site CAPrivEye: please hold all questions CAPrivEye: reading this later is a difficult,,,,,i will answer all questions but let me get through th MS8904: Exactly you need a SS# to begin with and what if you don't? CAPrivEye: please CAPrivEye: this report is run by SSN or name and a former address CAPrivEye: either will do the trick MS8904: OK Great CAPrivEye: I use 4 different information brokers... CAPrivEye: this report does not matter since it is all source from ... CAPrivEye: credit... CAPrivEye: bureaus... CAPrivEye: no not piece meal... CAPrivEye: all at one time in about 1 minute... CAPrivEye: the point on information brokers is that you want to use ... CAPrivEye: someone... CAPrivEye: that is a licensed CAPrivEye: PI or member of Association of Independent Information... CAPrivEye: Professionals or... CAPrivEye: Information Industry Assoc. (AOL is a member here) at... CAPrivEye: http://www.iia.org... CAPrivEye: and remember this is one of over1 trillion records!!!!!!!!! ... CAPrivEye: i can... CAPrivEye: get CAPrivEye: a good site to review all the types of information you can buy ... CAPrivEye: go... CAPrivEye: to this site.......... CAPrivEye: this is a #3 type of information broker....at... CAPrivEye: http://www.confi-chek.com/info/prices.htm CAPrivEye: this is regional resource remember... CAPrivEye: but with national reach!!! CAPrivEye: pleae check out www.confi-chek.com CAPrivEye: i will wait here for 5 mintues while you go there MONTANA192: This application also says you have to be a PI or lawyer to start an account MONTANA192: Hello MONTANA192: How do you get an account with these info brokers? if you are not a PI attorney or gov. CAPrivEye: okay these business will do business CAPrivEye: with PI, attorneys or businesses MONTANA192: Any business CAPrivEye: why businesses? CAPrivEye: busineses needto check out employees prior to hire, called a CAPrivEye: background check CAPrivEye: so infomration brokers sell information CAPrivEye: to busnesses for this purpose MONTANA192: No questions asked CAPrivEye: most businesses do not know about these CAPrivEye: information broker business, but PI's use them daily CAPrivEye: to solve cases and develop information MONTANA192: Is it confidential CAPrivEye: so how do you start? CAPrivEye: not confidential at all CAPrivEye: most infomration - information brokers sell is public records CAPrivEye: and that is a Government record that is for all to see CAPrivEye: ALL information brokers MONTANA192: I mean the inquiry CAPrivEye: demand a signed agreement to begin CAPrivEye: the reason forthis is that it provides them with limited liability CAPrivEye: so if the information sold to client (YOU) is misused then CAPrivEye: all parties agree up front that information broker has no liability CAPrivEye: so..to continue with our discussion CAPrivEye: again........information brokers are online on... CAPrivEye: the Internet... CAPrivEye: formally you can only reach them via a terminal program... CAPrivEye: and still tis is true, but now your web brouser can support ... CAPrivEye: online... CAPrivEye: searching... CAPrivEye: this is very current and up to date information, the best ... CAPrivEye: there is... CAPrivEye: so hence it costs money but not a lot!... CAPrivEye: international information is not found on any of these ... CAPrivEye: systems... CAPrivEye: hence each country has their own computer systems... CAPrivEye: and they do not share right now MS8904: What if you want to do this with out becoming a PI? You just want to research someone CAPrivEye: but usa information is found here by signing up for a service... CAPrivEye: under keyword "information brokers" on a search engine... CAPrivEye: ... CAPrivEye: you will find numerous sies on the internet alone... CAPrivEye: and to sign up your need to be in business... CAPrivEye: since information brokers only work with businesses... CAPrivEye: but a home business counts too!!!!!!!!!! CAPrivEye: and that is easy to set up... CAPrivEye: or if you have a business already that is much easier CAPrivEye: a list of many of the information brokers is found in our ... CAPrivEye: library... CAPrivEye: and that is a good start... CAPrivEye: tell them you check out your employees are part of hiring!... CAPrivEye: the point be in business CAPrivEye: it matters not whether it is a corporation or a home business... CAPrivEye: it is all the same! CAPrivEye: information brokers check you out generally, so they know if... CAPrivEye: you are in business or not... CAPrivEye: but some have online signups CAPrivEye: you can signup with most information brokers... CAPrivEye: shop around and look at them... CAPrivEye: many have 800 numbers... CAPrivEye: they want you to sign a contract... CAPrivEye: i sign these all the time... CAPrivEye: as they only hold harmless themselves and that is no ... CAPrivEye: problem with... CAPrivEye: me... CAPrivEye: and i like the ones that do not have signup fees or monthly ... CAPrivEye: fees... CAPrivEye: i like the free ones CAPrivEye: free from month service charges MONTANA192: Is the inquiry confidential? CAPrivEye: you pay for the the information you request... CAPrivEye: many do take credit cards or bill at the end of the month... MS8904: Does the person ever find out you are inquiring about them? CAPrivEye: use the ones with credit cards for easier service... CAPrivEye: so some of the reports you can get... CAPrivEye: is anything from drivers records on someone to address ... CAPrivEye: update to... CAPrivEye: property records, etc. all over the USA... CAPrivEye: the ones i have referenced in this logged class i use... CAPrivEye: or have full confidence in... CAPrivEye: they are good CAPrivEye: so when searching for someone you can do so for around $5-$25... CAPrivEye: now that is great.........remember Rob and Bob from the ... CAPrivEye: Oprah????... CAPrivEye: you pay them $50 plus sigup of $10... CAPrivEye: they find anyone CAPrivEye: now you know how to do it for $5 CAPrivEye: tonight i suggest you request information or brochures from some... CAPrivEye: on these companies at... CAPrivEye: www.irsc.com... CAPrivEye: www.cdb.com CAPrivEye: okay what questions do you have now? MONTANA192: Is the inquiry confidential CAPrivEye: all inquires are confindential MONTANA192: OK CAPrivEye: unless you request a credit report, then it is tagged inaccordance with the FAIR CREDIT CAPrivEye: REPORTING ACT CAPrivEye: i never need credit reports most times MONTANA192: Which is CAPrivEye: ? MONTANA192: FAIR CREDIT ACT? CAPrivEye: the FAIR CREDIT REPORTING ACT is a federal government law that CAPrivEye: protects your credit lines and reports CAPrivEye: anyone and i mean ANYONE requesting a credit report is tagged CAPrivEye: on subjects report CAPrivEye: by name of requesting agency CAPrivEye: credit reports can only be obtained by CAPrivEye: 1- consent of subject CAPrivEye: 2- court order or judgment CAPrivEye: anyother questions? CAPrivEye: please:) CAPrivEye: okay i will go on.........now MS8904: Please give us the download of your classes CAPrivEye: government systems such as drivers records, etc........ run ... CAPrivEye: from... CAPrivEye: field parameters... CAPrivEye: of name and date of birth CAPrivEye: business systems use the social security number, such as... CAPrivEye: banks, credit bureaus and anyone about financial... CAPrivEye: this is the difference... CAPrivEye: some are by computer, some by fax, some even by telephone! CAPrivEye: the real question of accessing information in a location search ... CAPrivEye: is... CAPrivEye: timeliness... CAPrivEye: the bet is the credit update and that is only 30 days old... CAPrivEye: drivers license for example could be 2 years out of date CAPrivEye: but pretexting is REAL TIME! CAPrivEye: but provides different information... CAPrivEye: so at this point i will provide some practical example... CAPrivEye: please follow........................ CAPrivEye: new case CAPrivEye: i have the name and social security number for a ... CAPrivEye: subject......what... CAPrivEye: product do i use?... CAPrivEye: anyone? BCFUNDING: credit header CAPrivEye: social security trace! $7 then i call and confirm returned... CAPrivEye: information... CAPrivEye: ................... CAPrivEye: and that is a credit header CAPrivEye: okay next case... CAPrivEye: i am looking for som CAPrivEye: eone MS8904: What if you do not have a SS#? CAPrivEye: all i have is name and city from 2 years ago....... CAPrivEye: 1- will check for an old address CAPrivEye: i will check city directories or telephone directories or books... CAPrivEye: from that period... CAPrivEye: also property if necessary CAPrivEye: i might also use an alpha name search from that city if the name... CAPrivEye: is unusal CAPrivEye: 2- with old address information... CAPrivEye: what will do what? CAPrivEye: what product will i use? CAPrivEye: name + old address 2 year ago = address update $7 (reverse ... CAPrivEye: SSN... CAPrivEye: search) CAPrivEye: now i have new address and telephone number, i call to confirm!... CAPrivEye: .............new case.........last one before questions CAPrivEye: new case................... CAPrivEye: i have name and former employer what do it do????????... CAPrivEye: can anyone help me??????? CAPrivEye: 1- firstcall human resources verify employment... MS8904: Call old employer CAPrivEye: find out department CAPrivEye: 2 - call the department as ask for someone that knew him/her... CAPrivEye: ask if they could help me, please tell me where they moved... CAPrivEye: to...what city? CAPrivEye: with the city i call telephone directory in that city... CAPrivEye: get new information... CAPrivEye: call to verify CAPrivEye: if # is unlisted then... CAPrivEye: attempt to get old address and update MS8904: Do you think someone will give out that info? without getting your name and address CAPrivEye: if that is not possible then i might run an alpha search by new... CAPrivEye: city... CAPrivEye: if that is no good i might attempt to call old employer and ... CAPrivEye: get... CAPrivEye: more information from co-wor... CAPrivEye: ker CAPrivEye: okay what are your questions now? MONTANA192: Do you mean that if someone has someones SS# they can find out Financial info about you CAPrivEye: no MONTANA192: That's good to know CAPrivEye: remember the credit header has no financial information CAPrivEye: only the credit report does, and that is tagged CAPrivEye: anyone else? MS8904: Everything is up for sale, I believe. CAPrivEye: yes CAPrivEye: what PI's are.........are master of information MS8904: including Financial info CAPrivEye: knowing what is available and knowing where to get it fast FAST CAPrivEye: financial information only can be obtained on the c4redit report with CAPrivEye: 1- subjects consent CAPrivEye: 2 - court order or judgment CAPrivEye: Is credit update legal?... CAPrivEye: yes... CAPrivEye: the FTC says so... CAPrivEye: no limitations on use either Margen3: explain reverse SSN# again please? CAPrivEye: yes CAPrivEye: with starting information 1- legal name 2- old address within seven years CAPrivEye: you requests an address update search MS8904: I know, where I work, I would not give info about an x employee. CAPrivEye: for about $7 CAPrivEye: returned is the new address and possbily employer and telephone number CAPrivEye: these credit headers are not tagged CAPrivEye: and have no limitations on use CAPrivEye: by law Margen3: so this won't work if the address is older than that? CAPrivEye: sometimes yes CAPrivEye: this is where expereince comes in CAPrivEye: in our library on information brokers - the list- is a company called CAPrivEye: JAL CAPrivEye: in Washington CAPrivEye: they have a report called ANME SHARK II CAPrivEye: NAME SHARK II CAPrivEye: this little report caosts about $30 but CAPrivEye: reaches back to about 20-30 years depending on information available CAPrivEye: a gr8 tool for geneaology researches CAPrivEye: or long lost friends or school mates CAPrivEye: next question? MS8904: So everyone that doesn MS8904: 'thave a business can not do PI work? BCFUNDING: is there any place to get current employer besides header reports? CAPrivEye: PI's have a license to advertise and do criminal work CAPrivEye: but home office information brokers do not need licensing as far as i know MS8904: OK. Thanks CAPrivEye: current employers are located generally only on the credit header MONTANA192: Does this access put PI's out of business CAPrivEye: i know of no other palce, other than subjects resume CAPrivEye: putting PI's out of business...no CAPrivEye: the industry is on top right now CAPrivEye: there is room foreveryone MONTANA192: Great CAPrivEye: okay a little text now about the history of information brokers CAPrivEye: A Brief History of On-line Information Brokers CAPrivEye: The history of this unusual information-broker industry goes ... CAPrivEye: back only a few years. Jack H. Reed of IRCS, Inc., contends ... CAPrivEye: that the information explosion began in about 1982 CAPrivEye: Reed is a member of the Information Industry Association, the ... CAPrivEye: California Association of Licensed Investigators (CALI), and ... CAPrivEye: National Counsel of Investigators and Security Services, and he ... CAPrivEye: has received numerous awards, including the CALI "distinguished ... CAPrivEye: achievement award." Reed also consults with the Federal Trade ... CAPrivEye: Commission, the White House Privacy Council, and on legislation ... CAPrivEye: regarding privacy and public records. When Reed asked why he ... CAPrivEye: was receiving his CALI award, a CALI member's response was that ... CAPrivEye: he had changed the face of the investigative industry. Indeed, ... CAPrivEye: he has. His company first provided extensive public records ... CAPrivEye: on-line to the business and investigation communities. Prior to ... CAPrivEye: this, individual county and state records were not massed in ... CAPrivEye: extensive databanks, making information acquisition difficult ... CAPrivEye: and only accessible at the local level - by going to the local ... CAPrivEye: government record offices. CAPrivEye: In 1977, IBM announced its first release of a new and unknown ... CAPrivEye: machine, a computer called the PC. Few could anticipate the ... CAPrivEye: impact of this new, desk-top sized computer; in fact, many ... CAPrivEye: thought it not worthwhile. As a California-licensed ... CAPrivEye: investigator, Reed tells me that for two years he pondered the ... CAPrivEye: potential impact this small, compact machine could have on his ... CAPrivEye: business. Being an investigator since 1964 (and a very ... CAPrivEye: successful one at that), Reed knew the necessity of access to ... CAPrivEye: public records via electronic media. The old paper-file system ... CAPrivEye: was adequate, but time consuming. This entrepreneur wanted a ... CAPrivEye: faster and easier method to access billions of records ... CAPrivEye: nationally. CAPrivEye: At that time, investigators were considered merely regional ... CAPrivEye: operators, at best. By 1979, Reed was envisioning a rapid and ... CAPrivEye: inexpensive method of collecting, processing, storing and ... CAPrivEye: transferring data. CAPrivEye: For those times, the concept was revolutionary. As Reed told ... CAPrivEye: me: "...those seem like simple things now, but back then it was ... CAPrivEye: almost like witchcraft." ... CAPrivEye: ... CAPrivEye: ... CAPrivEye: Overview Path to On-line Information Brokers CAPrivEye: The methods described below offer you the means of finding up to ... CAPrivEye: 90 percent of the American populace! On-line services are ... CAPrivEye: massive commercial databanks held by private companies that are ... CAPrivEye: in the business of selling this information. These databanks ... CAPrivEye: are enormous, with records totaling over 2.5 billion documents! ... CAPrivEye: These databanks have information collated from city, county, ... CAPrivEye: state, and the federal Government; from credit reporting ... CAPrivEye: bureaus; commercial publishing firms; Dun and Bradstreet; and ... CAPrivEye: private corporate information sources. The preponderance of ... CAPrivEye: Governmental information sold to information brokers is made up ... CAPrivEye: of county and state files CAPrivEye: - such as county assessor records, secretary of state filings, ... CAPrivEye: drivers records, vehicle registration records, registered voters ... CAPrivEye: profiles, uniform commercial codes, business licensing, ... CAPrivEye: fictitious business filings, leans and judgments, real property ... CAPrivEye: ownership, civil court filings, and criminal court filings. And ... CAPrivEye: it is a combination of all these sources that can lead to a ... CAPrivEye: successful search of a missing person.... CAPrivEye: ... CAPrivEye: There is no easy way to begin. This is a complex process, and I ... CAPrivEye: will try to simplify these on-line search techniques by ... CAPrivEye: providing, in a logically sequence, the most pertinent ... CAPrivEye: information on how to use on-line private information broker ... CAPrivEye: databanks. ... CAPrivEye: ... CAPrivEye: ... CAPrivEye: Information brokers are professional commercial businesses that ... CAPrivEye: accumulate a vast array of information from numerous sources ... CAPrivEye: into a single set of search perimeters, easily used by you the ... CAPrivEye: client. Some of these databanks are newsgroups that tap into ... CAPrivEye: well over 300 newspapers, providing accurate, published ... CAPrivEye: information - nationwide and internationally - on people, ... CAPrivEye: businesses, and governments. Other databanks deal exclusively ... CAPrivEye: with public records, and this is the set of databanks we will ... CAPrivEye: discuss for finding missing persons. ... CAPrivEye: ... CAPrivEye: There is a cost associated with the services of such information ... CAPrivEye: brokers, and this is how professional PIs find missing persons. ... CAPrivEye: All professionals spend money to find missing persons. However, ... CAPrivEye: you can do a simple $7 search yourself - and all you need is ... CAPrivEye: your computer or a fax. ... CAPrivEye: ... CAPrivEye: Here is how the system works: Throughout the nation, there are ... CAPrivEye: firms that specialize in municipal, county, state, and federal ... CAPrivEye: public record retrieval. These public records services compile ... CAPrivEye: information in various formats, some formats are hard copy and ... CAPrivEye: some are in media form. The larger information brokers then ... CAPrivEye: will buy this media when it is in electronic media form. When ... CAPrivEye: information is not found in electronic media form, then a ... CAPrivEye: smaller, specialized firm will conduct the research manually. ... CAPrivEye: For example, a state may wholesale its electronic-based drivers ... CAPrivEye: records to businesses. Information brokers then buy these ... CAPrivEye: electronic files of state drivers records. So when you request ... CAPrivEye: a search of drivers records in a state that wholesales such ... CAPrivEye: records in electronic media form, it triggers an instant search ... CAPrivEye: of a large information broker's compiled databanks, whether you ... CAPrivEye: personally conduct the search or it is done by the information ... CAPrivEye: broker. For drivers records searches in a state that does not ... CAPrivEye: wholesale its records, then information brokers will subcontract ... CAPrivEye: this work out to small local or regional firms that specialize ... CAPrivEye: in state drivers records retrieval. This is launched with a ... CAPrivEye: request going from you to a large information broker. The ... CAPrivEye: information broker, in turn, will put this request onto a media ... CAPrivEye: file that is sent to this smaller firm. The specialized firm ... CAPrivEye: then will take this request and search the state's drivers ... CAPrivEye: records databank, under an agreement between this small firm and ... CAPrivEye: the state drivers licensing unit. ... CAPrivEye: ... CAPrivEye: Some information brokers are original buyers of information, ... CAPrivEye: while others "piggyback" from these original information broker ... CAPrivEye: buyers, and still others use a combination of the two. The ... CAPrivEye: first type of information broker is the original information ... CAPrivEye: buyer of information and generally has the most up-to-date ... CAPrivEye: information for resale. These original information buyers are ... CAPrivEye: most often the biggest companies in the industry - for example, ... CAPrivEye: I.R.S.C., Inc., CDB Infotech, Inc., Information America, Inc., ... CAPrivEye: and Lexus-Nexus, Inc. These companies buy information from ... CAPrivEye: numerous sources - as many as 1,300 or more databanks in total. ... CAPrivEye: The databanks they acquire include government, insurance, ... CAPrivEye: credit, publishing, medical, and other businesses. These ... CAPrivEye: services have strict membership agreements and will make certain ... CAPrivEye: that you, the client, has legitimate access to their systems. ... CAPrivEye: ... CAPrivEye: The second type of "piggyback" information brokers are those who ... CAPrivEye: buy from the major original information buyers and resell this ... CAPrivEye: information for a second time. Now, these companies do not ... CAPrivEye: generally have strict client agreements. As a matter of fact, ... CAPrivEye: many are found on the Internet and will sell to almost anyone ... CAPrivEye: without a reason provided. Such firms often operate without a ... CAPrivEye: private investigator's license - nor are they associated with a ... CAPrivEye: major information trade organization, such as the Information ... CAPrivEye: Industry Association or the American Independent Information ... CAPrivEye: Professionals Association - the two big associations within the ... CAPrivEye: industry. ... CAPrivEye: ... CAPrivEye: The third type of information broker is generally a private ... CAPrivEye: investigator who provides original and "piggyback" information ... CAPrivEye: for sale. These firms generally are regional in focus, hence ... CAPrivEye: they "piggyback" some information from the big original buyers ... CAPrivEye: of information.... CAPrivEye: Why would a state sell its records? Well, states do understand ... CAPrivEye: that businesses need this information in the normal conduct of ... CAPrivEye: business. Some of these 1,300 databanks are owned by insurance ... CAPrivEye: companies, others are document-retrieval services with various ... CAPrivEye: agreements with state governments, and others are court record ... CAPrivEye: services. So this myriad of databanks is as loose and varied as ... CAPrivEye: is the Internet itself. The private databank services or ... CAPrivEye: information brokers use many of the available public databanks, ... CAPrivEye: and some services use all 1,300 of them! ... CAPrivEye: ok..........a 3 minute break here CAPrivEye: ... CAPrivEye: If you're looking for access to records of more than 200 million ... CAPrivEye: individuals listed by previous addresses over the last seven ... CAPrivEye: years and by Social Security numbers directly on-line, here's ... CAPrivEye: the way to go about finding them. Terminal or Hyper-Terminal is ... CAPrivEye: the main source of proprietary information databanks today. It ... CAPrivEye: is found in the communications software of Windows 95 under the ... CAPrivEye: directory of accessories. Simply put, the Terminal is not the ... CAPrivEye: Internet or the World Wide Web. It makes your graphics-capable ... CAPrivEye: computer into a machine that only provides images in text ... CAPrivEye: format. However, the reason for Terminal usage is simple. This ... CAPrivEye: is the form in which proprietary information is currently ... CAPrivEye: available. Soon, however, databanks may be found in html ... CAPrivEye: format. But not yet. With Terminal you can connect to other ... CAPrivEye: computers and databanks and transfer files. Here's the catch: ... CAPrivEye: you may connect to these proprietary databanks only as a ... CAPrivEye: business by first calling these services and setting up ... CAPrivEye: appropriate accounts. ... CAPrivEye: ... CAPrivEye: All these services mandate that you must have a business. ... CAPrivEye: Professional information brokers expect that when they deal with ... CAPrivEye: you that they are dealing with another professional and that you ... CAPrivEye: are in business. Information brokers will only deal with ... CAPrivEye: businesses. This business need not be in a downtown, high-rise ... CAPrivEye: commercial office building, but a business nevertheless. ... CAPrivEye: However, a business can be run from your home. Home businesses ... CAPrivEye: do count! City, county, and state laws do apply, so register ... CAPrivEye: this business with a local government. Local governments do ... CAPrivEye: have fictitious business licenses for individuals to establish ... CAPrivEye: businesses. Many professional PIs and researchers simply ... CAPrivEye: operate a few telephones, a computer, and a fax machine out of ... CAPrivEye: their houses or apartments. Local governments provide ... CAPrivEye: information on starting a small home-based business, if ... CAPrivEye: necessary. Contact your local authorities for information. ... CAPrivEye: Some of the following individual databanks have been created ... CAPrivEye: since 1982 and focus on countywide, state and national searches ... CAPrivEye: of filings. Remember each jurisdiction is different, and not ... CAPrivEye: all records are available in all locations. The reason is that, ... CAPrivEye: firstly, some state and local laws and regulations may hinder ... CAPrivEye: information brokers from obtaining some information, and, ... CAPrivEye: secondly, the collection and reproduction methods of some small ... CAPrivEye: or regional retrieval companies is not always fully ... CAPrivEye: comprehensive. Below is a list of common databanks by ... CAPrivEye: jurisdiction. You will notice that city, county and ... CAPrivEye: state-focused databanks are mostly governmental public records. ... CAPrivEye: With the nationwide-focused databanks you begin to notice a ... CAPrivEye: shift from governmental databanks to consumer, publishers, ... CAPrivEye: credit bureau, telephone, and business-related sharing of ... CAPrivEye: information. Only a few nationally focused databanks are ... CAPrivEye: governmental, such as the National Technology Information ... CAPrivEye: Administration (NTIA), largely because the federal ... CAPrivEye: government is subject to certain privacy laws that the states ... CAPrivEye: and municipalities are not. For this reason, city, county and ... CAPrivEye: state public records are available in electronic media form. Of ... CAPrivEye: course, access to them this takes longer and requires more ... CAPrivEye: people to retrieve and assemble this information into databanks. ... CAPrivEye: National databanks do not have state geographic limits, and the ... CAPrivEye: information found generally is business related.... CAPrivEye: Here are the locations and telephone numbers of the three ... CAPrivEye: largest credit bureaus within the United States. I have ... CAPrivEye: included telephone numbers so you can request a copy of your own ... CAPrivEye: credit report if you choose. Generally, if you have been denied ... CAPrivEye: credit, the report is free. However, sometimes the reports are ... CAPrivEye: free depending on state laws and the Fair Credit Reporting Act ... CAPrivEye: requirements. Be sure to inquire. Incidentally, when you ... CAPrivEye: receive your credit report, look for who has requested your ... CAPrivEye: report. This information will be noted on at the bottom of the ... CAPrivEye: credit report. This report is held under federal law, so only ... CAPrivEye: businesses that have accounts with the bureaus or sub-bureaus ... CAPrivEye: can access this report, and then only with your permission. ... CAPrivEye: When filling out a credit application, you will see a portion of ... CAPrivEye: the contract that is a release for the company to check your ... CAPrivEye: credit report.... CAPrivEye: ... CAPrivEye: Equifax, P.O. Box 740241, Atlanta, GA 30374-0241, (800) ... CAPrivEye: 685-1111.... CAPrivEye: Free if credit has been denied; otherwise $8 per report in most ... CAPrivEye: states.... CAPrivEye: ... CAPrivEye: Experian (formerly TRW) P.O. Box 8030, Layton, UT, (800) ... CAPrivEye: 682-7654.... CAPrivEye: First report is free for all requests.... CAPrivEye: ... CAPrivEye: Trans Union Corp., Consumer Relations Center, P.O. Box 390, ... CAPrivEye: Springfield, PA... CAPrivEye: (800) 916-8800. Free if credit has been denied; otherwise ... CAPrivEye: $8 per report in most states.... CAPrivEye: Why so many databanks? What does this have to do with a missing ... CAPrivEye: person? Well, an investigation is a mosaic that is produced ... CAPrivEye: through developing numerous sources of information and, by ... CAPrivEye: examination and verification, moving through this web, to a ... CAPrivEye: labyrinth, through a maze. We never know where an investigation ... CAPrivEye: is going to take us. For example, if the subject I am searching ... CAPrivEye: for does not come up on normal name or address searches, and we ... CAPrivEye: have no Social Security number but know this individual is a ... CAPrivEye: pilot - bingo! We then have a lead that we can use. By running ... CAPrivEye: an FAA license or aircraft ownership search, we might very well ... CAPrivEye: find our man. ... CAPrivEye: ... CAPrivEye: ok...........questions before we go? MONTANA192: Have you ever heard of Auto track plus---Database Technologies,INC. CAPrivEye: no MONTANA192: OK MS8904: Yes What have you found out about your students so far? CAPrivEye: that does not mean much though since there are some many information brokers MONTANA192: Cute MS CAPrivEye: many students ask good questions CAPrivEye: LOL BCFUNDING: how do we get phone numbers for the terminals and hyper terminals we want to access CAPrivEye: that is where u contact the conpant and set up an account CAPrivEye: company i mean BCFUNDING: like the assessors office? BCFUNDING: or will government agencies let us in? CAPrivEye: no CAPrivEye: i will review that too! MONTANA192: Can this class be saved in favorite places or printed out? BCFUNDING: what kind of companies will let us in? CAPrivEye: none unless you have an account BCFUNDING: what kind of companies will let you set up an account? CAPrivEye: i will upload this log tommorrow in our library MONTANA192: ok CAPrivEye: information brokers set up accounts for other businesses MS8904: Great CAPrivEye: okay everyone that care and see you next week