For Individuals · Monitor your own HOD Score
You can view and monitor your own permanent HOD Score in real time, always free. Running an HOD Report on anyone else requires a verified HOD Pro+ business account.
Why this matters
Your reputation follows you across every job, deal, rental, and relationship. Hub or Dub gives individuals full sovereignty over their own HOD profile: claim it, monitor it 24/7, dispute anything wrong, and improve it with verified positive conduct. What individuals cannot do on this platform is pull reports on other people. That access is reserved for verified HOD Pro+ businesses acting under a permissible purpose, so consumer-to-consumer surveillance is off the table by design.
Claim your permanent profile
Verify your identity once and take ownership of your live HOD Score wherever it's referenced nationwide.
Real-time monitoring
Every public-record change, filing, or verified report pings your dashboard the second it lands.
FCRA-grade disputes
Challenge any finding on your own profile with evidence and track it through Back Office resolution.
Improve your score
See exactly which signal categories move your score and the verified positive conduct that raises it.
You watch your own
Consumers see every signal, source, and score change on their own profile in real time.
Every finding cited
Each item links to ≥2 independent public sources, or one authoritative record (court, registry, sanctions list).
Always free for you
Monitoring your own HOD Score never costs anything. No trial, no card, no upsell.
Verify any source yourself.
Tells a lender whether you pay on time.
Tells the professionals who verify you who you actually are.
Free accounts and My HOD+ members may view, monitor, dispute, and correct only their own HOD Score and HOD Report. Obtaining a report about another person or business requires HOD Run+, HOD Pro+, or HOD Enterprise+, together with identity verification and a recorded permissible purpose for every request. Only HOD Pro+ and HOD Enterprise+ may obtain consumer reports for FCRA-covered eligibility decisions.
No plan, tier, add-on, seat count, service level, or negotiated term sold by Hub or Dub reduces, waives, delays, or circumvents any right afforded to consumers under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), Regulation V (12 C.F.R. Part 1022), or any other applicable federal or territorial law. HOD Enterprise+ is not an exception. Every consumer 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 which plan the requesting party holds or how much that party pays.