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jbelman
254 Posts |
 Posted - 07/25/2008 : 10:36:54 PM
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Hello,
I get leads currently from my title company from borrowers who have a Notice of Default recorded on their properties but I would want to know where I can get leads from borrowers who are 1x30 on their mortgage therefore to try to help them out before they reach the stage of NOD> any help Thanks in Advance.  |
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KHufford
5911 Posts |
Posted - 07/26/2008 : 12:39:46 AM
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I dont think you can, thats not public info. You could probably get a 50% hit rate just by knocking on doors in CA though..
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jbelman
254 Posts |
Posted - 07/26/2008 : 01:15:05 AM
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quote:
Originally posted by KHufford
I dont think you can, thats not public info. You could probably get a 50% hit rate just by knocking on doors in CA though..
I was thinking of calling experian etc.. what do you guys think of that ? |
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KHufford
5911 Posts |
Posted - 07/26/2008 : 01:31:45 AM
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quote:
Originally posted by jbelman
quote:
Originally posted by KHufford
I dont think you can, thats not public info. You could probably get a 50% hit rate just by knocking on doors in CA though..
I was thinking of calling experian etc.. what do you guys think of that ?
You cant do that..
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jbelman
254 Posts |
Posted - 07/26/2008 : 01:36:00 AM
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quote:
Originally posted by KHufford
quote:
Originally posted by jbelman
quote:
Originally posted by KHufford
I dont think you can, thats not public info. You could probably get a 50% hit rate just by knocking on doors in CA though..
I was thinking of calling experian etc.. what do you guys think of that ?
You cant do that..
PM Sent Kyle |
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johnnyboy38109
3008 Posts |
Posted - 07/26/2008 : 09:03:24 AM
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quote:
Originally posted by KHufford
quote:
Originally posted by jbelman
quote:
Originally posted by KHufford
I dont think you can, thats not public info. You could probably get a 50% hit rate just by knocking on doors in CA though..
I was thinking of calling experian etc.. what do you guys think of that ?
You cant do that..
how is it possible to so consistently give out erroneous information?
The info the poster seeks most certainly can be gathered thru any number of vendors and he can have in his desktop in a matter of hours, if its done properly.
Dont dispense on subjects you clearly know nothing about.
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jbelman
254 Posts |
Posted - 07/26/2008 : 09:21:10 AM
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quote:
Originally posted by johnnyboy38109
quote:
Originally posted by KHufford
quote:
Originally posted by jbelman
quote:
Originally posted by KHufford
I dont think you can, thats not public info. You could probably get a 50% hit rate just by knocking on doors in CA though..
I was thinking of calling experian etc.. what do you guys think of that ?
You cant do that..
how is it possible to so consistently give out erroneous information?
The info the poster seeks most certainly can be gathered thru any number of vendors and he can have in his desktop in a matter of hours, if its done properly.
Dont dispense on subjects you clearly know nothing about.
I think you can get that info but Im going to call experian and see if they can dispense that information with a fee. |
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Managing Prime
2801 Posts |
Posted - 07/26/2008 : 09:28:40 AM
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| No need to call. It's available. Now you just need to know your budget and shop around. The majority of the credit data providers want you to commit to a certain volume. |
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aspiring1
1302 Posts |
Posted - 07/26/2008 : 09:42:01 AM
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quote:
Originally posted by jbelman
Hello,
I get leads currently from my title company from borrowers who have a Notice of Default recorded on their properties but I would want to know where I can get leads from borrowers who are 1x30 on their mortgage therefore to try to help them out before they reach the stage of NOD> any help Thanks in Advance.
As an option if you can't pay the pretty hefty fee for credit bureau data, I say you cold call title data; tailoring your pitch specifically for people who are late on their mortgage. I guarantee you will find many borrowers that are 1X30 at least. |
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johnnyboy38109
3008 Posts |
Posted - 07/26/2008 : 11:34:50 AM
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quote:
Originally posted by Managing Prime
No need to call. It's available. Now you just need to know your budget and shop around. The majority of the credit data providers want you to commit to a certain volume.
Normally I'd agree with that, but this climate they're scufflin' for business and it makes it a great time to negotiate. Same holds true with advertising........all forms. |
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KHufford
5911 Posts |
Posted - 07/26/2008 : 11:56:49 AM
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John,
You are telling me an LO, just any old person can go get a list of names and personal info like if someone is late on a payment? How is that possible? please enlighten me...
We are not talking about public NOD's...we are talking perosonal credit info...going to a single person...
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Managing Prime
2801 Posts |
Posted - 07/26/2008 : 12:04:37 PM
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quote:
Originally posted by KHufford
...any old person can go get a list of names and personal info like if someone is late on a payment? How is that possible? please enlighten me...
We are not talking about public NOD's...we are talking perosonal credit info...going to a single person...
Not any old person. There is the issue of permissible use, but YES...Credit data is easily acquired. I just purchased 5K records yesterday...and i made sure to exclude everyone with lates.
OP:
Trigger leads are good for this target market as well...get them aged a week or so. By that time they have been denied by so many LO's they have almost given up and you can step in and be the "hero" |
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KHufford
5911 Posts |
Posted - 07/26/2008 : 12:15:10 PM
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quote:
Originally posted by Managing Prime
quote:
Originally posted by KHufford
...any old person can go get a list of names and personal info like if someone is late on a payment? How is that possible? please enlighten me...
We are not talking about public NOD's...we are talking perosonal credit info...going to a single person...
Not any old person. There is the issue of permissible use, but YES...Credit data is easily acquired. I just purchased 5K records yesterday...and i made sure to exclude everyone with lates.
OP:
Trigger leads are good for this target market as well...get them aged a week or so. By that time they have been denied by so many LO's they have almost given up and you can step in and be the "hero"
YOu didnt answer what I said...I know 'credit data' can be purchased. I am talking about being able to say buy a name, address, phone, of a person and know that they are 1x30 on their home/car/ whatever...can you get that specifically? Thats what the OP asked..
And what is required for permissible use?
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skiehne
5 Posts |
Posted - 07/26/2008 : 12:26:59 PM
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| Try Data Warehouse, or yes you could call one of the bureau's. I just bought some thru data ware house(and it comes from one of the bureaus), although it required jumping thru hoops, bonifide credit offer etc... |
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johnnyboy38109
3008 Posts |
Posted - 07/26/2008 : 12:36:14 PM
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quote:
Originally posted by KHufford
John,
You are telling me an LO, just any old person can go get a list of names and personal info like if someone is late on a payment? How is that possible? please enlighten me...
We are not talking about public NOD's...we are talking perosonal credit info...going to a single person...
Sir, this Mortgage Marketing 101. Mr. Lawson is, as usual, correct. Permissible use is an issue, and bona fides are in order, but I've done it for years and years. |
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KHufford
5911 Posts |
Posted - 07/26/2008 : 12:39:29 PM
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quote:
Originally posted by johnnyboy38109
quote:
Originally posted by KHufford
John,
You are telling me an LO, just any old person can go get a list of names and personal info like if someone is late on a payment? How is that possible? please enlighten me...
We are not talking about public NOD's...we are talking perosonal credit info...going to a single person...
Sir, this Mortgage Marketing 101. Mr. Lawson is, as usual, correct. Permissible use is an issue, and bona fides are in order, but I've done it for years and years.
Ok buddy, still nobody has specifically answered the question...but ok. You are the wizard. I dont think you can do what the OP asked in general aspects, for the most part.
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Managing Prime
2801 Posts |
Posted - 07/26/2008 : 12:53:27 PM
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quote:
Originally posted by KHufford
YOu didnt answer what I said...I know 'credit data' can be purchased. I am talking about being able to say buy a name, address, phone, of a person and know that they are 1x30 on their home/car/ whatever...can you get that specifically? Thats what the OP asked...
Yes. I could have tens of thousands of those records with all the information you mentioned and then some by the end of the day Monday. |
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johnnyboy38109
3008 Posts |
Posted - 07/26/2008 : 12:54:08 PM
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quote:
Originally posted by KHufford
quote:
Originally posted by johnnyboy38109
quote:
Originally posted by KHufford
John,
You are telling me an LO, just any old person can go get a list of names and personal info like if someone is late on a payment? How is that possible? please enlighten me...
We are not talking about public NOD's...we are talking perosonal credit info...going to a single person...
Sir, this Mortgage Marketing 101. Mr. Lawson is, as usual, correct. Permissible use is an issue, and bona fides are in order, but I've done it for years and years.
Ok buddy, still nobody has specifically answered the question...but ok. You are the wizard. I dont think you can do what the OP asked in general aspects, for the most part.
Perhaps the idea is so basic to those of us who've done it thousands of times that we dont want to waste our keystrokes telling you how its done........since you've already told the poster it CAN'T be done. You obviously have not the slighest idea of what you speak.
Not to mention there are those of us who are paid by the hour to dispense the information and construct marketing campaigns.
Perhaps you'd like to impress some more, Mr. Hufford, by telling those of us who do it routinely and have been paid by others to advise on the matter how it CANNOT be done.
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Managing Prime
2801 Posts |
Posted - 07/26/2008 : 12:56:45 PM
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Sample Selects(not all of them):
Equifax Selects:
# Geography : Zip Codes – Radius, County, City, State, Area Codes
# Credit Score
# Phone Numbers
# Length of Residence
# Presence of Mortgage
# Extensive Tradeline Info
# Number of Tradlines
# Tradeline Major & Minor Derogs
# Current Delinquencies
# Revolving Debt Amount
# Installment Debt Balance
# Age of Tradelines
# Collection Info
# Bankruptcy –CH 7 & 13 (discharge/dismissed
# Mortgage Current Past Due
# Specific 1st & 2nd Mortgage Selects
# Omit Bankruptcies
# Income
# Hispanic Surname
# Number of Mortgage Trades
# Number of Mortgage Trades with a Finance Company
# Mortgage Type – FHA, VA, Conventional
# Mortgage Highest Balance
# Home Equity
# High Credit on Mortgage
# Most Recent Mortgage Number of Months
# Monthly Mortgage Payment Amount
# Aggregate Balance for Mortgage Trades
# Mortgage Past Due History
Transunion Selects:
# GEOGRAPHY
# LENDER NAME
# FICO
# NAT'L EQUIVALENCY SCORE (EXPERIAN ONLY)
# ONE PER HOUSEHOLD
# HISPANIC SURNAME
# 100% PHONES
# LENGTH OF RESIDENCE
# AGE
# MONTH OF BIRTH
# INCOME RANGES
# MOST RECENT BANKRUPTCY
# MOST RECENT DISCHARGED BANKRUPTCY
# MOST RECENT CH 7 BANKRUPTCY
# MOST RECENT CH 7 DISCHARGED BANKRUPTCY
# MOST RECENT CH 13 BANKRUPTCY
# MOST RECENT CH 13 DISCHARGED BANKRUPTCY
# ALL TRADES - AGGREGATE BALANCE EXCLUDING MORTGAGE & HOME EQUITY
# LINK AGGREGATE BALANCE EXCLUDING MORTGAGE & HOME EQUITY WITH AGGREGATE
# REVOLVING BALANCE
# REVOLVING - AGGREGATE BALANCE FOR OPEN TRADES
# REVOLVING - NUMBER OF SATISFACTORY TRADES
# HISTORICAL DEROGATORY ITEMS - # OF TRADES 30 DPD EVER
# ESTIMATED LOAN TO VALUE
# ESTIMATED MARKET VALUE
# ALL TRADES - NUMBER OF TRADES OPENED WITHIN 6 MONTHS
# ALL TRADES - NUMBER OF TRADES OPENED WITHIN 12 MONTHS
# ALL TRADES - NUMBER OF TRADES OPENED WITHIN 24 MONTHS
# NEGAM FLAG
# MORTGAGE - AGGREGATE BALANCE FOR OPEN TRADES
# MORTGAGE - HIGHEST BALANCE
# PRESENCE OF LENDER NAME - MORTGAGE
# HOME EQUITY - AGGREGATE BALANCES FOR OPEN TRADES
# PRESENCE OF LENDER NAME - HOME EQUITY
# MORTGAGE - AGE OF MOST RECENT TRADE
# MORTGAGE - HIGHEST BALANCE OF VA
# MORTGAGE - HIGHEST BALANCE OF FHA MORTGAGE
# MORTGAGE - WORST STATUS OF CURRENTLY OPEN TRADES
# MORTGAGE - CURRENT WORST STATUS OF OPEN TRADES
# DWELLING TYPE
# LOAN AMOUNT
# LOAN RATE TYPE - 1ST MORTGAGE
# HOME PURCHASE DATE
# HOME PURCHASE PRICE
Experian Selects:
# GEO
# FICO
# NAT'L EQUIVALENCY SCORE (EXPERIAN ONLY)
# ONE PER HOUSEHOLD
# HISPANIC SURNAME
# 100% PHONES
# LENGTH OF RESIDENCE
# AGE
# MONTH OF BIRTH
# INCOME RANGES
# MOST RECENT BANKRUPTCY
# MOST RECENT DISCHARGED BANKRUPTCY
# MOST RECENT CH 7 BANKRUPTCY
# MOST RECENT CH 7 DISCHARGED BANKRUPTCY
# MOST RECENT CH 13 BANKRUPTCY
# MOST RECENT CH 13 DISCHARGED BANKRUPTCY
# ALL TRADES - AGGREGATE BALANCE EXCLUDING MORTGAGE & HOME EQUITY
# LINK AGGREGATE BALANCE EXCLUDING MORTGAGE & HOME EQUITY WITH AGGREGATE
# REVOLVING BALANCE
# REVOLVING - AGGREGATE BALANCE FOR OPEN TRADES
# REVOLVING - NUMBER OF SATISFACTORY TRADES
# HISTORICAL DEROGATORY ITEMS - # OF TRADES 30 DPD EVER
# ESTIMATED LOAN TO VALUE
# ESTIMATED MARKET VALUE
# HOME PURCHASE PRICE
# ALL TRADES - NUMBER OF TRADES OPENED WITHIN 6 MONTHS
# ALL TRADES - NUMBER OF TRADES OPENED WITHIN 12 MONTHS
# ALL TRADES - NUMBER OF TRADES OPENED WITHIN 24 MONTHS
# NEGAM FLAG
# MORTGAGE - AGGREGATE BALANCE FOR OPEN TRADES
# MORTGAGE - HIGHEST BALANCE
# PRESENCE OF LENDER NAME - MORTGAGE
# HOME EQUITY - AGGREGATE BALANCES FOR OPEN TRADES
# PRESENCE OF LENDER NAME - HOME EQUITY
# MORTGAGE - AGE OF MOST RECENT TRADE
# MORTGAGE - HIGHEST BALANCE OF VA
# MORTGAGE - HIGHEST BALANCE OF FHA MORTGAGE
# MORTGAGE - WORST STATUS OF CURRENTLY OPEN TRADES
# MORTGAGE - CURRENT WORST STATUS OF OPEN TRADES
# DWELLING TYPE
# LOAN AMOUNT
# LOAN RATE TYPE - 1ST MORTGAGE
# HOME PURCHASE DATE
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johnnyboy38109
3008 Posts |
Posted - 07/26/2008 : 12:56:47 PM
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quote:
Originally posted by Managing Prime
quote:
Originally posted by KHufford
YOu didnt answer what I said...I know 'credit data' can be purchased. I am talking about being able to say buy a name, address, phone, of a person and know that they are 1x30 on their home/car/ whatever...can you get that specifically? Thats what the OP asked...
Yes. I could have tens of thousands of those records with all the information you mentioned and then some by the end of the day Monday.
Absolutely correct. |
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jbelman
254 Posts |
Posted - 07/26/2008 : 12:58:50 PM
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quote:
Originally posted by Managing Prime
Sample Selects(not all of them):
Equifax Selects:
# Geography : Zip Codes – Radius, County, City, State, Area Codes
# Credit Score
# Phone Numbers
# Length of Residence
# Presence of Mortgage
# Extensive Tradeline Info
# Number of Tradlines
# Tradeline Major & Minor Derogs
# Current Delinquencies
# Revolving Debt Amount
# Installment Debt Balance
# Age of Tradelines
# Collection Info
# Bankruptcy –CH 7 & 13 (discharge/dismissed
# Mortgage Current Past Due
# Specific 1st & 2nd Mortgage Selects
# Omit Bankruptcies
# Income
# Hispanic Surname
# Number of Mortgage Trades
# Number of Mortgage Trades with a Finance Company
# Mortgage Type – FHA, VA, Conventional
# Mortgage Highest Balance
# Home Equity
# High Credit on Mortgage
# Most Recent Mortgage Number of Months
# Monthly Mortgage Payment Amount
# Aggregate Balance for Mortgage Trades
# Mortgage Past Due History
Transunion Selects:
# GEOGRAPHY
# LENDER NAME
# FICO
# NAT'L EQUIVALENCY SCORE (EXPERIAN ONLY)
# ONE PER HOUSEHOLD
# HISPANIC SURNAME
# 100% PHONES
# LENGTH OF RESIDENCE
# AGE
# MONTH OF BIRTH
# INCOME RANGES
# MOST RECENT BANKRUPTCY
# MOST RECENT DISCHARGED BANKRUPTCY
# MOST RECENT CH 7 BANKRUPTCY
# MOST RECENT CH 7 DISCHARGED BANKRUPTCY
# MOST RECENT CH 13 BANKRUPTCY
# MOST RECENT CH 13 DISCHARGED BANKRUPTCY
# ALL TRADES - AGGREGATE BALANCE EXCLUDING MORTGAGE & HOME EQUITY
# LINK AGGREGATE BALANCE EXCLUDING MORTGAGE & HOME EQUITY WITH AGGREGATE
# REVOLVING BALANCE
# REVOLVING - AGGREGATE BALANCE FOR OPEN TRADES
# REVOLVING - NUMBER OF SATISFACTORY TRADES
# HISTORICAL DEROGATORY ITEMS - # OF TRADES 30 DPD EVER
# ESTIMATED LOAN TO VALUE
# ESTIMATED MARKET VALUE
# ALL TRADES - NUMBER OF TRADES OPENED WITHIN 6 MONTHS
# ALL TRADES - NUMBER OF TRADES OPENED WITHIN 12 MONTHS
# ALL TRADES - NUMBER OF TRADES OPENED WITHIN 24 MONTHS
# NEGAM FLAG
# MORTGAGE - AGGREGATE BALANCE FOR OPEN TRADES
# MORTGAGE - HIGHEST BALANCE
# PRESENCE OF LENDER NAME - MORTGAGE
# HOME EQUITY - AGGREGATE BALANCES FOR OPEN TRADES
# PRESENCE OF LENDER NAME - HOME EQUITY
# MORTGAGE - AGE OF MOST RECENT TRADE
# MORTGAGE - HIGHEST BALANCE OF VA
# MORTGAGE - HIGHEST BALANCE OF FHA MORTGAGE
# MORTGAGE - WORST STATUS OF CURRENTLY OPEN TRADES
# MORTGAGE - CURRENT WORST STATUS OF OPEN TRADES
# DWELLING TYPE
# LOAN AMOUNT
# LOAN RATE TYPE - 1ST MORTGAGE
# HOME PURCHASE DATE
# HOME PURCHASE PRICE
Experian Selects:
# GEO
# FICO
# NAT'L EQUIVALENCY SCORE (EXPERIAN ONLY)
# ONE PER HOUSEHOLD
# HISPANIC SURNAME
# 100% PHONES
# LENGTH OF RESIDENCE
# AGE
# MONTH OF BIRTH
# INCOME RANGES
# MOST RECENT BANKRUPTCY
# MOST RECENT DISCHARGED BANKRUPTCY
# MOST RECENT CH 7 BANKRUPTCY
# MOST RECENT CH 7 DISCHARGED BANKRUPTCY
# MOST RECENT CH 13 BANKRUPTCY
# MOST RECENT CH 13 DISCHARGED BANKRUPTCY
# ALL TRADES - AGGREGATE BALANCE EXCLUDING MORTGAGE & HOME EQUITY
# LINK AGGREGATE BALANCE EXCLUDING MORTGAGE & HOME EQUITY WITH AGGREGATE
# REVOLVING BALANCE
# REVOLVING - AGGREGATE BALANCE FOR OPEN TRADES
# REVOLVING - NUMBER OF SATISFACTORY TRADES
# HISTORICAL DEROGATORY ITEMS - # OF TRADES 30 DPD EVER
# ESTIMATED LOAN TO VALUE
# ESTIMATED MARKET VALUE
# HOME PURCHASE PRICE
# ALL TRADES - NUMBER OF TRADES OPENED WITHIN 6 MONTHS
# ALL TRADES - NUMBER OF TRADES OPENED WITHIN 12 MONTHS
# ALL TRADES - NUMBER OF TRADES OPENED WITHIN 24 MONTHS
# NEGAM FLAG
# MORTGAGE - AGGREGATE BALANCE FOR OPEN TRADES
# MORTGAGE - HIGHEST BALANCE
# PRESENCE OF LENDER NAME - MORTGAGE
# HOME EQUITY - AGGREGATE BALANCES FOR OPEN TRADES
# PRESENCE OF LENDER NAME - HOME EQUITY
# MORTGAGE - AGE OF MOST RECENT TRADE
# MORTGAGE - HIGHEST BALANCE OF VA
# MORTGAGE - HIGHEST BALANCE OF FHA MORTGAGE
# MORTGAGE - WORST STATUS OF CURRENTLY OPEN TRADES
# MORTGAGE - CURRENT WORST STATUS OF OPEN TRADES
# DWELLING TYPE
# LOAN AMOUNT
# LOAN RATE TYPE - 1ST MORTGAGE
# HOME PURCHASE DATE
Thanks for sharing this info. :) |
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Managing Prime
2801 Posts |
Posted - 07/26/2008 : 1:09:29 PM
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| NP. Bottom line: All information is for sale. If you want append that info with criminal and civil court records...done. Shoot. You can even find out what tattoos the borrower got in college and maybe even get a picture of it too! |
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KHufford
5911 Posts |
Posted - 07/26/2008 : 1:19:22 PM
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quote:
Originally posted by Managing Prime
NP. Bottom line: All information is for sale. If you want append that info with criminal and civil court records...done. Shoot. You can even find out what tattoos the borrower got in college and maybe even get a picture of it too!
Sounds good, but I think it comes down to who can actually buy that info correct? Most 'people' cannot. Can an LO themselves? Sounds like not.
John, you really like to hear yourself speak/type, dont you? Why even post on BO then, if your time is too valuable and I need to pay you by the hour?
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johnnyboy38109
3008 Posts |
Posted - 07/26/2008 : 1:23:22 PM
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quote:
Originally posted by KHufford
quote:
Originally posted by Managing Prime
NP. Bottom line: All information is for sale. If you want append that info with criminal and civil court records...done. Shoot. You can even find out what tattoos the borrower got in college and maybe even get a picture of it too!
Sounds good, but I think it comes down to who can actually buy that info correct? Most 'people' cannot. Can an LO themselves? Sounds like not.
John, you really like to hear yourself speak/type, dont you? Why even post on BO then, if your time is too valuable and I need to pay you by the hour?
Posting here boosts my business.
A LO can do it if they have the bona fides. Obviously you have no idea what those might be, even though you've told the poster its impossible. Please tell us again how that works.
This is fundamental, if you know what you are doing.
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Managing Prime
2801 Posts |
Posted - 07/26/2008 : 1:33:46 PM
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quote:
Originally posted by KHufford
Sounds good, but I think it comes down to who can actually buy that info correct? Most 'people' cannot. Can an LO themselves? Sounds like not.
Not just anyone can go to the sources to buy the data. You can review their application packages to get an idea of the requirements, but anyone can buy the data...my 16 year old nephew could buy the data. |
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KHufford
5911 Posts |
Posted - 07/26/2008 : 2:01:03 PM
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quote:
Originally posted by johnnyboy38109
quote:
Originally posted by KHufford
quote:
Originally posted by Managing Prime
NP. Bottom line: All information is for sale. If you want append that info with criminal and civil court records...done. Shoot. You can even find out what tattoos the borrower got in college and maybe even get a picture of it too!
Sounds good, but I think it comes down to who can actually buy that info correct? Most 'people' cannot. Can an LO themselves? Sounds like not.
John, you really like to hear yourself speak/type, dont you? Why even post on BO then, if your time is too valuable and I need to pay you by the hour?
Posting here boosts my business.
A LO can do it if they have the bona fides. Obviously you have no idea what those might be, even though you've told the poster its impossible. Please tell us again how that works.
This is fundamental, if you know what you are doing.
Totally selfless John, who would have thought that. I may start a thread on this, I wonder what others may think of your motives here..but then again, I wouldnt want to give you more "free" publicity.
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benjamin
2188 Posts |
Posted - 07/26/2008 : 7:18:47 PM
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| Thanks |
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