1. Obsolete information excluded from reports
- Bankruptcy cases: excluded after 10 years from the date of the order for relief.
- Civil suits, judgments and arrest records: excluded after 7 years or the governing statute of limitations, whichever is longer.
- Accounts placed for collection or charged off: excluded after 7 years.
- Other adverse items, other than criminal convictions: excluded after 7 years.
Statutory exceptions apply for certain high-value credit, insurance and employment transactions. Some states impose shorter periods; Hub or Dub applies the stricter rule where the consumer lives.
2. Records Hub or Dub keeps
- Permissible purpose certifications, report requests and recipients: kept so we can tell you who received your report, including the prior 2 years for employment and 1 year for other purposes, as required by § 1681g(a)(3).
- Disputes, reinvestigation records and results: kept for the life of the file plus the period needed to meet legal obligations.
- Identity verification evidence: kept only as long as needed to verify identity, prevent fraud and meet legal holds.
3. Secure disposal
When records reach the end of their retention period they are securely destroyed under the FTC Disposal Rule (16 C.F.R. Part 682). Records under a legal hold are kept until the hold ends.
Contact, consumer requests, and disputes
Hub or Dub, Inc. is a U.S. consumer reporting agency operating in full compliance with the Fair Credit Reporting Act (FCRA), serving all 50 states and U.S. territories. The Stutson Family Trust, a private Nevada revocable family trust, ultimately owns 100% of all ventures through its wholly owned holding company, Hoddie Ventures, Inc., which owns and operates Hub or Dub, Inc., HOD Agencies, Inc., HOD IP Holdings, Inc., and HOD Technologies, Inc.. Hub or Dub, Inc. manages and oversees all operations. HOD Agencies, Inc. operates all HOD Agencies and franchises while providing services rendered by Hub or Dub, Inc.. HOD IP Holdings, Inc. exclusively owns all intellectual property. HOD Technologies, Inc. owns all software, technology and associated technological infrastructure. Every entity other than the trust is incorporated in New York, and each is a separate legal entity with its own role, records and obligations; no entity is liable for another's obligations except where it expressly agrees in writing or where law requires. Christian Stutson is Founder, Chairman and Chief Executive Officer of Hoddie Ventures, Inc. and its subsidiaries. Hub or Dub is a privately owned, family-run business and is not a government agency, government-sponsored entity, law-enforcement agency, or governmental representative. Hub or Dub, Inc.'s National Headquarters is located at 5 Pennsylvania Plaza, 19th Floor, New York, NY 10001, with remote operations across the United States and all U.S. territories. Legal notices go to legal@hubordub.com. Hub or Dub, Inc. is an independent private company and has no direct partnership, affiliation, endorsement, sponsorship, agency relationship, contractual relationship, or other formal relationship with any federal, state, local, territorial, or foreign government, government agency, governmental authority, or foreign governmental entity, unless expressly disclosed in writing by Hub or Dub.
- General and consumer support: hello@hubordub.com or a secure support ticket. Hub or Dub does not accept incoming calls and does not have a corporate phone number. Request a callback from a local HOD Agency or submit a support ticket online.
- File disclosure, disputes, and corrections: start a dispute — reinvestigated within 30 days (45 days where you add information during the reinvestigation).
- Your rights: Your rights · Use & compliance disclosures
- Privacy and state privacy rights: privacy@hubordub.com · state privacy rights
- Security reports: security@hubordub.com
No physical mail. Hub or Dub, Inc. does not currently accept in-person visits to its National Headquarters. All inquiries must be submitted online through the appropriate channels provided. Customer support, identity verification, reporting, investigations, disputes, and service delivery are conducted remotely through Hub or Dub's approved digital channels. Physical mail, walk-ins, document drop-offs, and on-site appointments are not accepted and cannot be processed. Please scan and email all documentation to hello@hubordub.com, or use secure upload and support ticketing inside your account. Hub or Dub does not accept incoming calls and does not have a corporate phone number. Request a callback from a local HOD Agency or submit a support ticket online. Please scan all documentation and email it to hello@hubordub.com so it can be logged, verified, and tied to your file record.