One place for every promise we make.
This center is maintained by Hub or Dub Inc., a U.S. consumer reporting agency operating in full compliance with the Fair Credit Reporting Act (FCRA), to answer common questions about how we handle reputation data nationwide. It reflects controls actively in place. It is not an independent certification.
Score changes reviewed by a human before they land
AES-GCM encryption on identity fields at rest
Most of any identifier ever shown in the interface
Plus U.S. territories. United States only.
Trust pillars
Consumer rights
Dispute inaccurate records, request removals, and get a written response.
Open a dispute →Methodology
How the HOD Score is built from verified evidence and updated in real time.
Read methodology →Disclosure policy
Who we release full reports to, and what stays hidden by default.
Disclosure policy →What we actually do
Four areas people ask about most. Pick one.
What we collect
Identity details you provide, records from authoritative public and licensed sources, evidence submitted through HOD Drops, and account activity needed to run the service.
What we never collect
We do not buy social media scrapes, we do not track you across unrelated websites, and we do not sell your identity data to advertisers.
Source labelling
Every finding on a report carries its source class: public record, licensed data, self-reported, or verified submission. You can see where a statement came from.
How a change to your record travels
- Step 1
Something is submitted
A public record lands, or a person or business files a HOD Drop with evidence attached.
- Step 2
A human reviews it
It enters the central Back Office queue. A reviewer checks the evidence against the standard before anything moves.
- Step 3
The engine recalculates
Once verified, the input changes and the HOD Score recalculates in real time. No one types a score by hand.
- Step 4
You can push back
You are told what changed and you can dispute it. A reviewer responds in writing with the outcome.
Shared responsibility
Hub or Dub protects the platform, the pipeline, and the reports. Individuals and businesses are responsible for how they use HOD Scores in their own decisions and for keeping their account credentials safe. Verified business partners are additionally responsible for their configured intake links, authorized-purpose flags, and downstream disclosures.
Nationwide identity registry
Every person and every business has one permanent HOD profile nationwide. Reports are matched in real time by SSN or FEIN. Identifiers are normalized, salted, and SHA-256 hashed for lookup, then AES-256-GCM encrypted at rest with a key held outside the database. Only the last four characters appear in the interface. Every lookup is logged with an authorized purpose. This eliminates duplicate or conflicting reports across states and gives regulators, subjects, and authorized users a single source of truth.
Straight answers
Hub or Dub operates exclusively within the United States, in strict alignment with applicable federal and state privacy and consumer-protection laws, including GLBA and applicable state privacy and consumer-protection statutes, and with the Fair Credit Reporting Act (FCRA).
All source-of-truth statements on this page are attributable to Hub or Dub Inc.. Contact trust@hubordub.com.