{"id":295,"date":"2024-03-31T19:06:20","date_gmt":"2024-03-31T19:06:20","guid":{"rendered":"https:\/\/www.spokeo.com\/pathfinder\/?p=295"},"modified":"2024-03-31T19:06:20","modified_gmt":"2024-03-31T19:06:20","slug":"guide-to-data-collection-and-recovery-with-spokeo","status":"publish","type":"post","link":"https:\/\/www.spokeo.com\/pathfinder\/guide-to-data-collection-and-recovery-with-spokeo\/","title":{"rendered":"Wish Your Debt Collection and Recovery Were More Effective? Spokeo for Business can Help"},"content":{"rendered":"\n<p>Despite its disruptions, the pandemic proved to be good for consumers\u2019 debt levels. The various forms of stimulus available after 2020 kept debt artificially low, and even low-income consumers were solvent. Those programs have now reached their sunset phase, and debt is rising: by March of 2024, for example, credit card delinquencies and charge-offs hadn\u2019t just returned to pre-COVID levels but had in fact reached <a href=\"https:\/\/www.insidearm.com\/news\/00049732-credit-card-charge-offs-and-delinquencies\/\">a 12-year high<\/a>.<\/p>\n\n\n\n<p>Resurgent debt means resurgent demand for debt collection and recovery, but collections have become more complicated on a number of fronts. Advanced search\u00a0 tools like Spokeo for Business provide a powerful new tool to meet those challenges.\u00a0 In this article, we\u2019ll explore how.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Challenges of Debt Collection and Recovery<\/h3>\n\n\n\n<p>Compliance remains one of the biggest challenges within the debt collection and recovery industry. While bedrock legislation such as the <a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/rules\/fair-debt-collection-practices-act-text\">Fair Debt Collection Practices Act<\/a> (FDCPA) sets a national baseline governing collections activity, new legislation such as Minnesota\u2019s <a href=\"https:\/\/www.insidearm.com\/news\/00049728-restrictive-collection-bill-pending-minne\/\">proposed Debt Fairness Act<\/a> or <a href=\"https:\/\/www.insidearm.com\/news\/00049681-florida-bankruptcy-court-sanctions-debt-b\/\">individual court decisions<\/a> can still require companies operating in specific jurisdictions to be aware of, and adapt their procedures to, local conditions.<\/p>\n\n\n\n<p>A representative sampling of other ongoing challenges might include:<\/p>\n\n\n\n<ul>\n<li>Hard-to-reach debtors who stonewall or actively evade contact, which, thanks to tools like caller ID, the shift away from landlines, and spam filters is easier than ever.<\/li>\n\n\n\n<li>Debtor information available through current resources is outdated or incomplete.<\/li>\n\n\n\n<li>Lack of resources \u2013 financial, technological, or staffing \u2013 and correspondingly high workloads.<\/li>\n\n\n\n<li>The need for greater speed and efficiency in collections.<\/li>\n\n\n\n<li>Changes in consumer expectations. Research from consulting firms such as McKinsey has shown that <a href=\"https:\/\/www.mckinsey.com\/capabilities\/growth-marketing-and-sales\/our-insights\/the-value-of-getting-personalization-right-or-wrong-is-multiplying\">consumers expect personalization<\/a> from companies they do business with, and find a lack of personalization to be jarring. While debt resolution is not a consumer product or service in the conventional understanding of the term, this expectation should not be overlooked.<\/li>\n<\/ul>\n\n\n\n<p>Given the importance of debt recovery to creditors and to the economy as a whole, it\u2019s unsurprising that there\u2019s a thriving market for tools that help with skip tracing and debt recovery. Spokeo for Business is a powerful addition to that market.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/arlington-research-nFLmPAf9dVc-unsplash-1024x683.jpg\" alt=\"\" class=\"wp-image-300\" srcset=\"https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/arlington-research-nFLmPAf9dVc-unsplash-1024x683.jpg 1024w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/arlington-research-nFLmPAf9dVc-unsplash-300x200.jpg 300w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/arlington-research-nFLmPAf9dVc-unsplash-768x513.jpg 768w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/arlington-research-nFLmPAf9dVc-unsplash-1536x1025.jpg 1536w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/arlington-research-nFLmPAf9dVc-unsplash-2048x1367.jpg 2048w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/arlington-research-nFLmPAf9dVc-unsplash-1920x1281.jpg 1920w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/arlington-research-nFLmPAf9dVc-unsplash-1170x781.jpg 1170w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/arlington-research-nFLmPAf9dVc-unsplash-585x390.jpg 585w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/arlington-research-nFLmPAf9dVc-unsplash-263x175.jpg 263w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">The Limitations of Conventional Skip Tracing Tools<\/h3>\n\n\n\n<p>Companies specializing in the skip tracing market, or debt collection and recovery, have a few large bodies of data to draw from.\u00a0 One is open source intelligence, or OSINT, a broad term for information that\u2019s available from public sources.\u00a0 This includes the kind of information that\u2019s available through a simple Google search, as well as other sources ranging from public posts on social media to courthouse records.<\/p>\n\n\n\n<p>A second body of information consists of sensitive information that\u2019s not available to the general public.\u00a0 This is regulated data, such as Social Security Numbers and dates of birth, which are protected by law because of their sensitive nature and the potential for misuse.\u00a0 Skip tracing and data collection tools typically draw from both pools of data, and may include access to proprietary or first-party information that\u2019s not available from other sources.<\/p>\n\n\n\n<p>These tools are very useful, but they also have some sharp limitations.\u00a0 Their reliance on proprietary data means you may need multiple costly subscriptions in order to recover debts effectively.\u00a0 Their data is often out of date, slowing your recovery efforts.\u00a0 Collating information \u201csiloed\u201d across multiple vendors can be a challenge for your staff, slowing recovery and driving up costs.\u00a0 Their search interfaces can be arcane and confusing.\u00a0 Overcoming all of this, and turning it into actionable intelligence in a timely and cost-effective fashion, is not always easy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How Advanced People Search Connects the Dots<\/h3>\n\n\n\n<p>Spokeo for Business provides a potent combination of both regulated and unregulated data, aggregating billions of data points from OSINT sources and\u00a0 select data partners.\u00a0 The product provides a fast, intuitive, cost-effective way to aggregate OSINT and regulated data from across multiple sources, and to deliver both searches and detailed reports within a single, easy-to-use interface.\u00a0<\/p>\n\n\n\n<p>Another key differentiator is the depth and power of Spokeo\u2019s social media search. The company was founded originally as a social media aggregator, and remains a leader in that field. No matter how elusive your debtors, if they\u2019re active online Spokeo will usually find them.<\/p>\n\n\n\n<p><strong><em>Learn more about what makes social media is crucial to modern skip tracing &amp; collections <a href=\"https:\/\/www.spokeo.com\/pathfinder\/data-from-social-media-revolutionizing-skip-tracing\/\">in this article<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Using Spokeo for Business in Debt Collection and Recovery<\/h3>\n\n\n\n<p>Spokeo for Business can be a powerful tool for collections at any scale, from a neighborhood business without dedicated collections staff to professional collections agencies and financial institutions.<\/p>\n\n\n\n<p>Let\u2019s look at some of its key capabilities, and how they can help you meet challenges like those we\u2019ve previously identified.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Easy Searches and Reporting<\/h3>\n\n\n\n<p>Spokeo\u2019s interface is simple and intuitive enough that staff will require minimal training to conduct searches, and save, print or share reports.\u00a0 Trained staff are also available 7 days a week to assist with onboarding, or with especially complex searches.\u00a0 Whatever the resources at your disposal, Spokeo for Business can help you maximize them.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Administration and Team Management<\/h3>\n\n\n\n<p>Whether you administer a crew of seasoned professionals or an ad-hoc group with other responsibilities, Spokeo\u2019s simple dashboard makes it easy to add and drop members, monitor searches, call up past reports, and much more. This aids in transparency and compliance, making it easy to document the provenance of any data used for collections purposes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Powerful Application Programming Interface<\/h3>\n\n\n\n<p>In well-funded enterprises with IT staff, Spokeo\u2019s powerful APIs enable aggregation of data between Spokeo and your existing tools, removing a significant barrier to the free flow of data.\u00a0 Note that the API currently provides access only to unregulated information, but API access and batch delivery are in the works for regulated data as well.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/john-schnobrich-FlPc9_VocJ4-unsplash-1024x683.jpg\" alt=\"\" class=\"wp-image-306\" srcset=\"https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/john-schnobrich-FlPc9_VocJ4-unsplash-1024x683.jpg 1024w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/john-schnobrich-FlPc9_VocJ4-unsplash-300x200.jpg 300w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/john-schnobrich-FlPc9_VocJ4-unsplash-768x512.jpg 768w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/john-schnobrich-FlPc9_VocJ4-unsplash-1536x1024.jpg 1536w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/john-schnobrich-FlPc9_VocJ4-unsplash-2048x1365.jpg 2048w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/john-schnobrich-FlPc9_VocJ4-unsplash-1920x1280.jpg 1920w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/john-schnobrich-FlPc9_VocJ4-unsplash-1170x780.jpg 1170w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/john-schnobrich-FlPc9_VocJ4-unsplash-585x390.jpg 585w, https:\/\/www.spokeo.com\/pathfinder\/wp-content\/uploads\/2024\/03\/john-schnobrich-FlPc9_VocJ4-unsplash-263x175.jpg 263w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Continuously Updated Data, More Accurate Identification<\/h3>\n\n\n\n<p>With Spokeo you\u2019re not buying a pool of static data.\u00a0 New phone numbers, addresses and other information flow into our databases constantly, and simply show up in each new search.\u00a0<\/p>\n\n\n\n<p>Ambiguity and misidentifications are a constant irritation in collections, and Spokeo for Business helps you meet your legal obligation to avoid them.\u00a0 Where there\u2019s ambiguity, Spokeo\u2019s reports furnish not just the names and locations of potential matches, but of family members, address and phone number history, birthplace, and current social media activity, which can be used to help verify that the information matches that of the debtor, or provide alternative methods of contacting them.\u00a0 Armed with that, your tracers will usually have little difficulty identifying the correct person, no matter how common their name.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Personalizing Approaches to Consumer Debtors<\/h3>\n\n\n\n<p>Response rates for demand letters, phone calls and other one-size-fits-all approaches are predictable, and there\u2019s room for improvement. Research <a href=\"https:\/\/www.insidearm.com\/news\/00049767-how-consumer-credit-trends-impact-debt-co\/\">cited by InsideARM<\/a> found that simply approaching debtors through their preferred channel improved payments by 10 percent. The McKinsey research cited earlier suggests that personalizing those approaches to the debtor can bring further improvements, especially if paired with initiatives to lower friction in the payments process (those are outside the scope of this article).<\/p>\n\n\n\n<p>Spokeo\u2019s ability to piece together a fully rounded overview of individual debtors is difficult to duplicate with other data tools, and makes it possible not only to personalize approaches to debtors, but to do so efficiently.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Identifying and Locating Collateral<\/h3>\n\n\n\n<p>Debtors often conceal property that\u2019s been used as collateral against a loan.\u00a0 Homes can\u2019t readily be moved or hidden, but cars, equipment, and other valuables certainly can.\u00a0 Even the wariest of debtors seldom stop posting on social media, so Spokeo\u2019s powerful social media profiling can help you find their posts, gain intel on their current location and place of business, and sometimes even identify specific items of collateral from their photos.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Locating the Unbanked or Underbanked<\/h3>\n\n\n\n<p>Those with minimal exposure to the banking system haven\u2019t historically had much access to credit, but the rise of non-bank lenders, rent-to-own retailers and secured loans or credit cards has changed that.\u00a0 Traditional data services serving the debt recovery and skip tracing markets lean heavily on banking data, which is little use in this demographic.\u00a0 Spokeo\u2019s social media enriched content\u00a0 fills in that blind spot, making it easier to locate those hard-to-find debtors; who \u2013 according to <a href=\"https:\/\/www.fdic.gov\/analysis\/household-survey\/index.html\">a 2021 study by the FDIC<\/a> \u2013 may account for almost 1 in 5 households.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Empower Your Debt Collection and Recovery Efforts<\/h3>\n\n\n\n<p>Making the skip tracing process as effortless as possible speeds recoveries and makes them more cost-effective; reduces strain on budgets, IT resources and staffing; and even helps debtors by restoring contact with creditors before their financial situation can deteriorate further.<\/p>\n\n\n\n<p>Adding Spokeo for Business to your collections arsenal won\u2019t be a budget-breaker either, even for the smallest of companies.\u00a0 Subscriptions can be tailored to the needs of enterprises at any size, from mom-and-pop retailers to major corporations, and they can be adjusted as your needs change.<\/p>\n\n\n\n<p>For further details, or to arrange a demonstration or no-cost trial of the product, contact us through the <a href=\"https:\/\/www.spokeo.com\/business\/collections\">Spokeo for Business page<\/a>.\u00a0<\/p>\n\n\n\n<p><em>Fred Decker is a prolific freelance writer based in Atlantic Canada, with articles appearing in print and online since 2007. He writes primarily on technology, personal finance, and food and foodservice, drawing on previous careers in those industries. He was educated at Memorial University of Newfoundland, Nova Scotia Community College, and the Northern Alberta Institute of Technology.<\/em><\/p>\n\n\n\n<p>Sources<\/p>\n\n\n\n<p>InsideARM: <a href=\"https:\/\/www.insidearm.com\/news\/00049732-credit-card-charge-offs-and-delinquencies\/\">Credit Card Charge-offs and Delinquencies Reach 12-year Highs<\/a><\/p>\n\n\n\n<p>US Federal Trade Commission: <a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/rules\/fair-debt-collection-practices-act-text\">Fair Debt Collection Practices Act<\/a><\/p>\n\n\n\n<p>InsideARM: <a href=\"https:\/\/www.insidearm.com\/news\/00049728-restrictive-collection-bill-pending-minne\/\">Restrictive Collection Bill Pending in Minnesota<\/a><\/p>\n\n\n\n<p>McKinsey &amp; Company: <a href=\"https:\/\/www.mckinsey.com\/capabilities\/growth-marketing-and-sales\/our-insights\/the-value-of-getting-personalization-right-or-wrong-is-multiplying\">The Value of Getting Personalization Right &#8211; or Wrong &#8211; is Multiplying<\/a><\/p>\n\n\n\n<p>US Federal Deposit Insurance Corporation: <a href=\"https:\/\/www.fdic.gov\/analysis\/household-survey\/index.html\">2021 FDIC National Survey of Unbanked and Underbanked Households<\/a>InsideARM: <a href=\"https:\/\/www.insidearm.com\/news\/00049767-how-consumer-credit-trends-impact-debt-co\/\">How Consumer Credit Trends Impact Collections in 2024<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Despite its disruptions, the pandemic proved to be good for consumers\u2019 debt levels. The&hellip;<\/p>\n","protected":false},"author":4,"featured_media":296,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Struggling With Debt Collection and Recovery? Spokeo for Business Can Help | Spokeo - Pathfinder | People Intelligence For Professionals<\/title>\n<meta name=\"description\" content=\"Debt collection and recovery can be costly and time-consuming. 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