For Financial Services · Permissible-purpose reporting
Verified financial businesses must establish a lawful permissible purpose for each HOD Report and meet applicable disclosure, authorization and decision-notice duties.
Why this matters
A HOD Report is a verified record, not a guarantee of an outcome. Consumers keep free access to their own files and the right to dispute inaccurate or incomplete information. Requesting businesses remain responsible for lawful use and their own decisions.
Financial decisions
Use reports only for the specific lawful purpose certified for the request.
Activate before a report run
An unclaimed or inactive subject cannot be purchased or run. Send the activation invitation, then return after verification clears.
Review the evidence
Use source-backed information cleared by human review. Pending or unverified allegations do not enter published report findings.
Preserve consumer rights
Provide required notices, follow applicable adverse-action procedures and respect free dispute and file-disclosure rights.
Verified business access
Only verified businesses with a documented permissible purpose may purchase reports on others.
Evidence before publication
Each published item must clear Back Office review. Source availability and lawful reportability determine what may be included.
Your record stays yours
Consumers can access and dispute their own HOD Score and HOD Report free forever.
Review source references.
Credit information addresses borrowing and payment history.
A HOD Report shows legally reportable information cleared through source-backed human review. It does not replace required credit or other screening procedures.
Claiming, viewing, monitoring, and disputing your own HOD Score and HOD Report is free forever for every person and business. Obtaining a report about another person or business requires a verified business account with an FCRA permissible purpose, purchased one report at a time: an HOD Personal Report or an HOD Business Report. Individuals cannot purchase or run a report on another person.
No purchase, price, volume, or negotiated term sold by Hub or Dub reduces, waives, delays, or circumvents any right afforded to the people and businesses Hub or Dub covers, or any applicable federal or territorial law. Every subject keeps the same rights to free file disclosure, dispute, reinvestigation, correction, deletion of unverifiable information, notice of adverse action, and a record of who accessed their file, regardless of how many reports the requesting business has purchased.