Public Records, Private Records, and Credit Records
Identity scores are built from collecting information from a variety of sources and analyzing discernible patterns from the total information. These records can generally be broken down into three categories: Public records, private records, and credit records.
Public records can include (but are not limited to) any of the following sources:
- Federal, state and local government records
- Financial records like bankruptcies, liens and judgments
- Property ownership records
- Registered Voter Records
- Law enforcement records for felony and misdemeanor convictions
- Private (non-credit) records can include (but are not limited to) any of the following sources:
- Bill and utility payments
- Collected personal information from marketers or affiliates
- Information provided to subscription-based Internet services
- Billing information from medical services
- Private background checks conducted by human resource departments
- Private (credit) records can include (but are not limited to) any of the following sources:
- Information submitted to any or all credit bureaus or credit reporting agencies (Equifax, Experian, Trans Union, Innovis, etc.)
- “Auto insurance” underwriting scores generated from credit records
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—For the State of Maine, U.S. public relief program (1935-1943)
“Municipal laws are a supply to the wisdom of each individual; and, at the same time, by restraining the natural liberty of men, make private interest submit to the interest of the public.”
—David Hume (1711–1776)
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—Sarah Ellis (1812–1872)
“My confessions are shameless. I confess, but do not repent. The fact is, my confessions are prompted, not by ethical motives, but intellectual. The confessions are to me the interesting records of a self-investigator.”
—W.N.P. Barbellion (1889–1919)