A debt settlement scrub is the process of checking a portfolio of accounts against a database of debt settlement enrollments to find which consumers are enrolled in a debt settlement program — and which are not.
A consumer enrolled in a debt settlement program is paying the settlement company, not the creditor. Working that account the normal way — calls, letters, skip tracing, even suit — spends money against payments that are already committed elsewhere. A scrub finds those accounts before the spend happens, and it finds the other valuable group too: consumers who dropped out of a program and are workable again.
See how the scrub works, or contact us to set up secured access.
Account identifiers for matching, submitted through the secured channel set up at onboarding. Identifiers are hashed on arrival and raw values are never stored.
A scrub is a point-in-time check of a portfolio. Monitoring keeps watching: your whole inventory is re-checked monthly and you receive the changes — new enrollments and drop-outs. Most customers start with a full scrub and put the inventory on monitoring the same day.
No. The EnrolledHits network covers for-profit debt settlement programs only — no credit-counseling or debt management plan records.
The network is kept current — refreshed as often as daily — and every hit carries an “as of” date.
Send your first file this week. We set up your secured access, run your full-inventory scrub, and turn monitoring on the same day — plans priced by volume, quoted for your portfolio.
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