Missing Persons

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Missing Persons 

In the 60s and 70's, it took a very good private investigator to locate missing people. The work was intensive and also very expensive for the client. In those days, there were no searches on massive computerized databases then available to the investigators or the public. Often there is a requirement to find people who have skipped whilst owing money to creditors.

The information you need is now often only a keystroke away, but not always. The online search may instead just reveal to you sufficient information to enable you to conduct further research through other sources. Remember that an online search in itself is not an investigation. Other lines of enquiry may be necessary particularly for a private investigator who may need to further verify the accuracy of his information to the clients satisfaction.

The most effective search to locate a missing person is with a Social Security trace. It is necessary to have the persons SSN and this starts off the enquiry.

Social Security Tracing is not regulated by the Fair Credit Reporting Act. This means that it is not a restricted search. It does not require permissible purposes under the federal law. There are however some state laws that have superceded the federal law. In a few state such as California, a Social Security Trace requires that a notification footer be created every time a Social Security Trace is run. What that means is that a record is kept on the bottom portion of the credit bureau file of the company running the SSN Trace.

The SSN is provided when

• Credit is extended to a person.
• As a direct result of applying for employment
• As a direct result of a credit provider/bank attempting to collect a debt ( this is where they have located the person with a skip trace then provided the new address to a credit bureau.
• When a person applies for insurance cover.
• When applying for utility services; electricity, gas or water.
• Also when an investigator uses the National Identifier to trace the person in order to obtain the SSN.

Only 3 credit bureaus offer such a trace They are TRW, CBI and Trans Union.