A debt settlement scrub is a check of an account inventory against current debt settlement enrollment records. It answers one question about every account submitted: is this consumer enrolled in a debt settlement program right now — and if they were enrolled before, when did they leave?
Every portfolio holds accounts whose consumers have quietly signed up with a debt settlement company. From the outside, nothing changes — the account looks the same as any other delinquent balance. But the money picture has changed completely: the consumer’s payments are now committed to a program, deposited monthly into a dedicated account, and released only as settlements are negotiated. A scrub is how that invisible fact becomes visible. The inventory is matched against enrollment records, and the accounts that match come back flagged with what the record says.
The opposite result matters just as much. A consumer who dropped out of a program is no longer represented by it — that account is workable again, often months before anyone would notice by hand. And an account with no match at all is cleared of the question: there is no enrollment on record for it. Three answers, each with a different operational consequence — that is the whole purpose of the check. The service view is on the scrub page; the records themselves are described on the enrollment data page.
New placements and purchased portfolios are scrubbed on arrival — before the first call or letter — so segmentation starts from the enrollment fact instead of discovering it months in.
An enrolled account changes the decision. The check runs before an account advances, so the review happens with the enrollment status — and the company holding it — on the table.
Standing inventory goes on monitoring and is re-checked monthly; each week’s new placements are scrubbed as they land and join the watch. Enrollment is a moving target, so the check repeats.
Skip tracing hunts for locating information — where a consumer lives, which phone number reaches them. A scrub returns no locating data of any kind. It answers a status question about a specific program relationship, and the answer is a flag, a company name, and dates — not a trail to follow.
No bureau file is pulled, nothing is furnished or reported back, and the consumer’s credit is untouched by the check. The match runs on hashed identifiers against enrollment records — a completely separate system from credit reporting, answering a question bureau data answers late and indirectly, if at all.
See how the scrub runs at EnrolledHits, the four ways to check enrollment, or contact us to set up secured access.
The identifiers on a submitted inventory, matched against current debt settlement enrollment records. It checks one thing: whether each consumer is enrolled in a for-profit debt settlement program — and returns the accounts that match, flagged with their status.
For every match: the status (currently enrolled, or dropped out with the date they left), the debt settlement company holding the enrollment, and an “as of” date. With it comes the portfolio analysis — hit rate, the enrolled vs. dropped split, and the companies ranked by count.
Skip tracing finds locating information. A scrub returns none — it answers a status question (is this consumer enrolled, and with whom?) rather than a location question (where is this consumer?).
No. No bureau file is pulled and nothing is reported to a bureau. Matching runs on hashed identifiers against enrollment records — it does not touch the consumer’s credit report.
At intake, before litigation review, and then on a rhythm: new placements scrubbed weekly, the standing inventory watched monthly through monitoring. Enrollment changes every month, so a single check ages.
No. The EnrolledHits network covers for-profit debt settlement programs only — no credit-counseling or debt management plan records.
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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