Information is obtained from courts, credit, and agent sources. An interview of the subject and/or the subject's employer may be needed to gather information not normally available to credit agencies due to customs and privacy laws.
Privacy laws do not usually allow financial institutions (including credit card companies) to make credit card histories available to credit reporting agencies, however, there are exceptions. If data is not readily available, information may be more verified in nature outside of what is available through government records.
Though these reports are labor intensive, the end results usually give just a relatively short profile of a person's credit morality.
Brief personal interviews of neighbors to verify the subject's residency may also be required in some countries as residency information in civil court records may not always be up to date. If you do not want any personal interviews to occur, consider ordering a civil records check as an alternative.
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