The scrub: submit accounts, get answers.

Send a portfolio through the secured channel. We match it against the network and send back the hits — each one carrying its status, the company holding the enrollment, and its “as of” date.

How buying the data works

The transaction

  • Submit two ways: real-time API calls when you need an answer now, or SFTP file transfers for full portfolios — encrypted end to end, hashed on arrival
  • We match against the network and return the accounts that hit
  • Priced by plan and volume — no platform fees, no minimums to start
  • The settlement companies get their hits back free — when a search finds their client, they receive the match information for their own clients
  • Complete audit trail on every search — who, when, and what was returned

What it does for your operation

  • Stop spending calls, letters, and skip tracing on consumers a settlement company already represents
  • Segment new portfolios on day one: enrolled, dropped out, or clear to work
  • Go straight to the program holding the account when it’s time to negotiate
  • Price enrollment into portfolio purchases instead of discovering it later
What comes back on a hit — example
Matched account ····4821
Status: Currently enrolled
Debt settlement company: Sample Settlement Co.
Data as of: Oct 2026
Matched account ····9073
Status: Dropped out
Debt settlement company: Sample Settlement Co.
Dropped: Aug 2026
Data as of: Oct 2026

Every match names the debt settlement company that the account is associated with. Illustrative examples — not real records.

The analysis that comes with it

You don’t just get rows back. Every scrub comes with the read on the portfolio:

  • Hit rate — how much of the portfolio is touched by debt settlement at all
  • Enrolled vs. dropped split — what to route, and what is workable again
  • The companies holding your accounts — ranked by count, so the biggest relationships are obvious
  • Every figure carries its “as of” date

How customers run it

The standard rhythm, from day one:

  • Start — the full scrub, and onto the watch. Send the entire inventory once. You get the full picture back — every enrolled and dropped account, the companies holding them, and the impact summary — and that same inventory is listed on monitoring.
  • Every week — scrub new placements. As new accounts land, scrub just the new placements. Each batch joins the monitoring watch, so the watch always covers everything you hold.
  • Every month — the change report. Monitoring returns what changed across the whole watched inventory: new enrollments, company named — and drop-outs, with their dropped dates.
That’s the pricing, too.

Plans are priced by volume — the rate steps down as yours grows. Watching a whole inventory instead? See monitoring.

Questions

How do customers typically start?

With the full picture: scrub the entire inventory once and list it on monitoring at the same time. After that, scrub new placements weekly as they arrive — each batch joins the watch — and monitoring reports the changes monthly.

How do I submit accounts?

Two secured ways: real-time API calls, or SFTP file transfers for full portfolios. Accounts are provisioned during onboarding — you get your credentials, your own transfer folders, and your API keys. Both channels are encrypted end to end.

Is my data safe with you?

Identifiers are converted to one-way hashes (HMAC-SHA-256) on arrival; raw SSNs are never stored, and a complete SSN is never displayed in any result. The full treatment is on the Privacy, Security & Compliance page.

How fresh is the data?

The network is kept current — refreshed as often as daily, and every hit carries an “as of” date, so you always know exactly how current an answer is.

How much does it cost?

Pricing runs on plans set by volume — scrub volume, monitoring, and workflow all factor in. No platform fees or minimums to start. See the pricing page.

Can you watch my portfolio continuously?

Yes — that’s monitoring: load the entire inventory once and get a change report every month.

Get started today

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.

Get Started
Prefer to look first? See how pricing works
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