$100 to the first person who can tell me..

Looking for the source of data lists of people late on their mortgage and how to obtain them (has to have phone numbers). Thinking it may be from one of the credit bureaus and if so how do I request them?
First person to help assist gets $100 OBO.

I don't want your hundred bucks but you could try infousa. I used to get something alongs those lines years ago from them, not sure that they offer that or even what you are looking for but worth a shot for you.

Well mortgage servicers are obviously not fond of giving away personal info... but you could social engineer your way to getting some info from them.


Make some attractive signs, put them in front of a couple dozen banks in your local area, and lead them to an opt-in page. Collect those emails and numbers and send em to whatever offer you are running or product you're selling.

It's gonna be hard to get that kind of info that banks have and don't really want to give away. Hope this helps. $100?

You could go to court a request a list of homes going for foreclosure in your area. Can i has $100?

try posting your question on yahoo answers, that site is perfect for this question

I appreciate the suggestions, but I feel like I wasn't as clear as I should have been.
I purchase these data lists from a guy at Citracado (search google). Plus there are tons of other sites/companies selling the same data, and I was wondering where that source they're getting it from is. If anyone has ideas or heard of the source (and is found to be true) would be appreciated and compensated.

stereopush said:

I appreciate the suggestions, but I feel like I wasn't as clear as I should have been.
I purchase these data lists from a guy at Citracado (search google). Plus there are tons of other sites/companies selling the same data, and I was wondering where that source they're getting it from is. If anyone has ideas or heard of the source (and is found to be true) would be appreciated and compensated.

Click to expand...

.....and of course he won't give me the secret...he'd lose my business.

http://www.realtytrac.com/

pre-foreclosure list is the one you want
can't remember if phone number is provided or not
take the free trial and see if it fits your needs

radiant13 said:

http://www.realtytrac.com/

pre-foreclosure list is the one you want
can't remember if phone number is provided or not
take the free trial and see if it fits your needs

Click to expand...

Eh, not quite the same, but close. If you search Google for 30/60/90/120 day mortgage late data, you'll see what data I'm talking about. Couple of companies selling from the same source. That's what I'm looking for.

Assuming this is in the US, they are most likely buying data from one of the 3 credit agencies. These agencies sell consumer data all day long. I have never personally done this, but from my understanding you can give a credit agency a set of data points and they give you a price per thousand. When the agency pulls this data its Promotional Inquiry "soft hit" to your credit. Sot hit, meaning, it has no impact on your credit or FICO score and other companies can not see these hits.

Your current data vendor might be using one of the data warehouses to append data to what they receive from the credit agency.

I am guessing they will not sell this information to just anybody, but then again I could be wrong. I would try calling them and see if they will sell you the information.

You never know where the data could be coming from. It could come from Walmart for all we know. It may sound stupid but companies that are able to collect what has been coined 'Big Data' can predict all sorts of things, from when a women is pregnant to when someone is late on their mortgage. The patters only start to emerge when you have millions of samples like these companies. I doubt the data is being sold from a company that collects it directly but rather one that mines data for patters.

pxoxrxn said:

I doubt the data is being sold from a company that collects it directly but rather one that mines data for patters.

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Companies sell their data all the time. You know loyalty cards at grocery stores, which tracks what you buy? I know for first hand they sell this data. When my wife worked for Pepsi, she was part of a marketing team which bought this data.

If you goto Equifax's website, they have information for buy data from them.

lipton80205 said:

Companies sell their data all the time. You know loyalty cards at grocery stores, which tracks what you buy? I know for first hand they sell this data. When my wife worked for Pepsi, she was part of a marketing team which bought this data.

If you goto Equifax's website, they have information for buy data from them.

Click to expand...

Yea, I'll try them and see if that is something that they do. Only thing that concerns me about them is the article I found online about a Experian and a loan modification company settling out a law suit for Experian selling the loan modification people's personal info when they were late on their mortgage. Maybe they'll have a new program.

ahhhem but a lot of people are after $100 here

g0g0l said:

ahhhem but a lot of people are after $100 here

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I'll keep to my word once I hear about a source that I "find to be true" to what exactly I'm looking for. currently checking on the Experian suggestion.

Go to better business bureau complaints of users with a bank. Try to see if you can get some contact info from within the complaints. Highly targeted .

I just checked on usadata.com

This isn't exactly what you asked for but I was able to create a list of homeowners with an LTV above 110% (with phone numbers)

These people wouldn't necessarily be behind with their mortgage payments, but it could still be a useful dataset for you.

My thought process is that people in the negative equity trap are much more likely to experience financial problems and therefore miss mortgage payments.

Targeting those people could be a worthwhile exercise.

Trepanated said:

This isn't exactly what you asked for but I was able to create a list of homeowners with an LTV above 110% (with phone numbers)

These people wouldn't necessarily be behind with their mortgage payments, but it could still be a useful dataset for you.

My thought process is that people in the negative equity trap are much more likely to experience financial problems and therefore miss mortgage payments.

Targeting those people could be a worthwhile exercise.

Click to expand...

They would be good for a CPA loan modification offer or even an actual loan mod using HARP or whatever is being done for those kinds of situations these days.

Speaking from experience, there are a lot of "data" providers out there, but the majority of them are bottom feeders that scrape/purchase information once it reaches a certain age (30/60/90 days usually)
My career is in the information sector (risk management) and 6 years ago when I began I had NO CLUE how valuable information is. I started basically as an "information broker" but quickly found and developed my own niche.
I've learned a lot about data providers as they relate to my field and the various sectors related to it. I only work with 2 different providers and have the ability to pull both public/non public records including Experian, Transunion & Equifax. I can also pull detailed personal, criminal, financial & financial scoring information in real time. The only reason I say this is because I have seen how "critical data" has evolved in the short 6 years of my career.

I am willing to share some sources with you, you will have to contact them and inquire more specifically with what you want, but I assure you they are as close to the top as you'll find. I don't know that they are the perfect solution for what your wanting, but they will certainly help or point you the right direction. I also have several firms I work with that specialize in distressed real estate/real estate workouts etc. so I can inquire with them as well. I will PM you with more specific info, and hope you find what your looking for.

One provider that I can list publicly is Ebureau.
They provide mass data to major providers & institutions. If I can find the number to a decision maker I know there I will forward it to you. You can also inquire directly.
Link

Speaking from experience, there are a lot of "data" providers out there, but the majority of them are bottom feeders that scrape/purchase information once it reaches a certain age (30/60/90 days usually)
My career is in the information sector (risk management) and 6 years ago when I began I had NO CLUE how valuable information is. I started basically as an "information broker" but quickly found and developed my own niche.
I've learned a lot about data providers as they relate to my field and the various sectors related to it. I only work with 2 different providers and have the ability to pull both public/non public records including Experian, Transunion & Equifax. I can also pull detailed personal, criminal, financial & financial scoring information in real time. The only reason I say this is because I have seen how "critical data" has evolved in the short 6 years of my career.

I am willing to share some sources with you, you will have to contact them and inquire more specifically with what you want, but I assure you they are as close to the top as you'll find. I don't know that they are the perfect solution for what your wanting, but they will certainly help or point you the right direction. I also have several firms I work with that specialize in distressed real estate/real estate workouts etc. so I can inquire with them as well. I will PM you with more specific info, and hope you find what your looking for.

Ebureau - They provide mass data to major providers. Thomson Reuters CLEAR - Amazing provider - quality data http://thomsonreuters.com/governance-risk-compliance/