From real people to
real verified reports.
A guided, step-by-step look at the entire Hub or Dub pipeline. Tap any step to see it in motion.
Six stages, one guarantee.
Professional account + identity intake
First, sign into any subscribed HOD Pro+ plan. Then enter the subject's verified identity: full legal name, date of birth, and a government-issued national identifier (SSN, FEIN, or the country equivalent). We never search by social handles, emails, phones, or usernames. Every person and every business gets exactly one permanent HOD profile worldwide. Existing profile? New evidence flows in. No profile? A new permanent one opens.
Everyone starts at 0. Reputation is earned.
The HOD Score is a live, transparent measure of authentic participation. Verified actions raise it, patterns of bad behavior lower it, and every change is explainable. Explore what moves the dial below.
Everyone begins at 0.
Your HOD Score is earned, never bought. Watch it climb in real time as verified actions land: identity checks clear, deals close, peers vouch, streaks compound. Every point is traceable to a specific event.
You can actively build your own HOD Score.
Every activated consumer and business gets My Life Events, a dedicated place to log verified real-world wins with proof. Hundreds of predefined categories: new jobs, promotions, home purchases, leases, degrees, licenses, court closures, business milestones, community service, and more. Manual Back Office review on every submission. Approved events update your score in real time.
Pick from a curated catalog across employment, housing, financial, legal, education, transportation, business, community, family, health, and identity.
Documents, receipts, certificates, contracts, court orders, or links to public records.
Our Back Office verification team reviews every submission before it moves your score.
We nudge you when there's a category missing so your record stays current and accurate.
Before the “yes,” the truth.
Every HOD Report runs through identity authentication, evidence validation, fraud detection, and cross-source corroboration, in real time.
Verified proof. Manually reviewed.
Hub or Dub relies exclusively on verified information sourced from authenticated public records and substantiated submissions provided directly by verified entities with confirmed, first-hand experience related to the individual or business.
All incoming data undergoes a structured manual review process, where it is evaluated, validated, and cross-checked across applicable sources before being approved for inclusion in any HOD Report™ or reflected in any HOD Score™.
Verification adjusts to your region, automatically
Hub or Dub operates worldwide as a compliance-first platform. The identity, documentation, and consent checks required to run or claim a report are evaluated in real time against your detected country so we always meet local legal obligations.
FCRA-permissible purpose required. Dispute rights and adverse-action notices apply. Verification requirements automatically adjust to your detected country to meet local legal obligations.
- Government-issued photo IDPassport, national ID, or driver's license
- Live selfie with liveness checkFace-match against your ID in real time
- National ID hashSSN / SIN / NIN / Aadhaar, hashed on our server, never stored plain
- Address confirmationUtility bill or bank statement within 90 days
- AML / sanctions screeningSanctions, PEP, and adverse-media checks
Detected in real time from your device settings and location. If you travel or use a VPN, the rules re-evaluate on your next session.
Familiar 300 to 850. Radically different signal.
A credit score tells a lender how you borrow. A HOD Score tells everyone else how you show up. Built exclusively on verified evidence, manually reviewed by Back Office, updated in real time as the truth changes.
The old way scored you once. HOD scores you now.
One snapshot from a decade ago cannot capture who you are today. Drag through time and watch the frozen file give way to a living, cited, real-time HOD Score.
One number. One dimension.
Built to predict whether you'll pay back a loan. Nothing else.
- Refreshes every 30 to 45 days
- 3 bureaus, thin files punished
- Blind to fraud, conduct, community trust
- Same math since 1989
Decisions in seconds, not weeks.
Verified signal sources per report.
Countries covered from day one.
Every finding cited and auditable.