Your data. Your rights. Everywhere Hub or Dub operates in the U.S.
Hub or Dub™ is a United States-only reputation platform, available across all 50 states and U.S. territories. Every individual and business may be assigned a HOD Score and HOD Report, and every one of them keeps a durable set of rights over how that information is sourced, used, corrected, and shared, in strict alignment with applicable federal and state consumer reporting laws.
Six rights you always hold.
Right to access
Request a complete copy of every HOD Report, HOD Score, source citation, and derived signal Hub or Dub holds about you. Delivered in a portable, human-readable format.
Right to correct
Dispute any finding, indicator, or signal you believe is inaccurate, incomplete, or misattributed. Every dispute is manually reviewed by the Back Office and re-evidenced before resolution.
Right to delete
Withdraw consent and request deletion of your account and associated non-public data, subject to lawful retention obligations we must observe as a consumer reporting agency.
Right to portability
Export your HOD data in a structured, machine-readable format so you can take it with you at any time.
Right to object & restrict
Object to specific processing activities, restrict automated decision inputs, and opt out of non-essential communications, analytics, and cookies at any time.
Right to fair, evidence-based reporting
Every HOD Score is calculated from verified public information, using the same criteria for every person and business, with no identity-based weighting.
Aligned with the frameworks that govern your data.
Hub or Dub is designed and maintained in strict alignment with applicable U.S. federal and state consumer reporting laws and regulations. This includes lawful data sourcing, proper consent and usage standards, fair and accurate reporting practices, user rights to dispute and correct information, and ongoing compliance with all relevant frameworks governing consumer information systems.
Permissible-purpose certification, adverse-action notices, dispute investigation timelines, and consumer file disclosures.
Identity-theft protections, safeguarding of financial information, anti-discrimination requirements, and driver-record protections.
State-specific rights to know, delete, correct, opt out of sale/sharing, and limit sensitive data processing.
State-level consumer reporting protections layered on top of the federal FCRA.
Nationwide baselines for fair information practices, transparency, and accountability across all 50 states and U.S. territories.
No plan buys its way around your rights.
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.
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.
Hub or Dub follows reasonable procedures to assure maximum possible accuracy of the information in every HOD Report, as required by FCRA § 607(b). Nothing enters an HOD Score or HOD Report until our Investigation Team verifies it against source evidence. When a consumer disputes an item, we reinvestigate free of charge, generally within 30 days (45 days where the consumer submits additional information during the period), record the results, correct or delete anything that cannot be verified, and notify the consumer in writing. Items deleted or corrected are not reinserted unless the furnisher recertifies accuracy and we notify the consumer.
Free account
Own file only- Who can hold it
- Any verified person or business, 18+, in the United States or a U.S. territory.
- Access level
- View, monitor, dispute, and correct your own HOD Score and HOD Report only. No access to any other person or business.
- FCRA status
- A free account never receives a consumer report about anyone else, so no permissible purpose is required and none is granted.
- Billing
- Free. No activation fee, no card required, no expiration.
My HOD+
Own file only- Who can hold it
- Verified consumers with a claimed HOD Score.
- Access level
- Everything in a free account plus deeper self-monitoring, expanded history, priority handling on your own file, and unlimited standard self-reporting. Still your own file only.
- FCRA status
- My HOD+ grants no access to another person's or business's file. It cannot be used to obtain a consumer report on anyone else.
- Billing
- $4/mo or $40/yr per person. No free trial. Auto-renews until cancelled.
HOD Run+
FCRA prohibited- Who can hold it
- Verified individuals, 18+, acting for themselves. Identity verification required before the first run.
- Access level
- One HOD Report per specific person or business per subscription month, for personal research, due diligence, and safety review. Includes My HOD+ on your own file.
- FCRA status
- HOD Run+ reports are personal-use only and may never be used, in whole or in part, for employment, tenant screening, credit, insurance, government licensing, or any other FCRA-covered eligibility decision. Attempted eligibility use is a material breach and terminates access.
- Billing
- $20/mo or $200/yr per person. No free trial. Auto-renews until cancelled.
HOD Pro+
FCRA permitted- Who can hold it
- Verified businesses and organizations that pass business verification, plus their authorized, named seats.
- Access level
- Team report access on people and businesses, per-location and per-seat workspaces, saved subjects, audit history, compliance tooling, and optional add-ons. HOD Pro+ includes up to 3 HOD Report runs per person or business. Each additional run on that same person or business is $2 and is added to your next invoice. Only HOD Enterprise+ includes unlimited runs.
- FCRA status
- HOD Pro+ may obtain consumer reports for FCRA-covered eligibility decisions only after recording a specific permissible-purpose certification under 15 U.S.C. § 1681b for each request, and only with all required consumer disclosures, authorizations, and adverse-action notices.
- Billing
- $400/mo or $4,000/yr per location + $40/mo or $400/yr per user. Add-ons billed per location. HOD Pro+ includes up to 3 HOD Report™ runs per subject (per person or per business) across the subscribing organization. Each additional run on the same subject is billed at $2 per run and is added to the next invoice for the account. Unlimited runs are available only on HOD Enterprise+. All run charges are final and non-refundable. No free trial. Auto-renews until cancelled.
HOD Enterprise+
FCRA permitted- Who can hold it
- Verified organizations managing reputation intelligence at volume across businesses, executives, employees, partners, clients, and vendors. Business verification and named seats required.
- Access level
- Everything in HOD Pro+ at the highest service level: enhanced reporting for high volume, unlimited on-demand manual investigations, manual document verification, centralized multi-location account management, advanced administrative controls, and full audit logging.
- FCRA status
- HOD Enterprise+ carries the exact same FCRA obligations as HOD Pro+. Volume, service level, and administrative controls change nothing about permissible purpose, accuracy, dispute, or adverse-action duties. No Enterprise entitlement waives, shortens, or bypasses any consumer protection.
- Billing
- $800/mo or $8,000/yr per location + $80/mo or $800/yr per user. Manual investigations included at no additional charge. No free trial. Auto-renews until cancelled.
| Plan | Who can hold it | Access level | FCRA-covered use | Billing |
|---|---|---|---|---|
Free account | Any verified person or business, 18+, in the United States or a U.S. territory. | View, monitor, dispute, and correct your own HOD Score and HOD Report only. No access to any other person or business. | Not applicable A free account never receives a consumer report about anyone else, so no permissible purpose is required and none is granted. | Free. No activation fee, no card required, no expiration. |
My HOD+ | Verified consumers with a claimed HOD Score. | Everything in a free account plus deeper self-monitoring, expanded history, priority handling on your own file, and unlimited standard self-reporting. Still your own file only. | Not applicable My HOD+ grants no access to another person's or business's file. It cannot be used to obtain a consumer report on anyone else. | $4/mo or $40/yr per person. No free trial. Auto-renews until cancelled. |
HOD Run+ | Verified individuals, 18+, acting for themselves. Identity verification required before the first run. | One HOD Report per specific person or business per subscription month, for personal research, due diligence, and safety review. Includes My HOD+ on your own file. | Prohibited HOD Run+ reports are personal-use only and may never be used, in whole or in part, for employment, tenant screening, credit, insurance, government licensing, or any other FCRA-covered eligibility decision. Attempted eligibility use is a material breach and terminates access. | $20/mo or $200/yr per person. No free trial. Auto-renews until cancelled. |
HOD Pro+ | Verified businesses and organizations that pass business verification, plus their authorized, named seats. | Team report access on people and businesses, per-location and per-seat workspaces, saved subjects, audit history, compliance tooling, and optional add-ons. HOD Pro+ includes up to 3 HOD Report runs per person or business. Each additional run on that same person or business is $2 and is added to your next invoice. Only HOD Enterprise+ includes unlimited runs. | Permitted with certification HOD Pro+ may obtain consumer reports for FCRA-covered eligibility decisions only after recording a specific permissible-purpose certification under 15 U.S.C. § 1681b for each request, and only with all required consumer disclosures, authorizations, and adverse-action notices. | $400/mo or $4,000/yr per location + $40/mo or $400/yr per user. Add-ons billed per location. HOD Pro+ includes up to 3 HOD Report™ runs per subject (per person or per business) across the subscribing organization. Each additional run on the same subject is billed at $2 per run and is added to the next invoice for the account. Unlimited runs are available only on HOD Enterprise+. All run charges are final and non-refundable. No free trial. Auto-renews until cancelled. |
HOD Enterprise+ | Verified organizations managing reputation intelligence at volume across businesses, executives, employees, partners, clients, and vendors. Business verification and named seats required. | Everything in HOD Pro+ at the highest service level: enhanced reporting for high volume, unlimited on-demand manual investigations, manual document verification, centralized multi-location account management, advanced administrative controls, and full audit logging. | Permitted with certification HOD Enterprise+ carries the exact same FCRA obligations as HOD Pro+. Volume, service level, and administrative controls change nothing about permissible purpose, accuracy, dispute, or adverse-action duties. No Enterprise entitlement waives, shortens, or bypasses any consumer protection. | $800/mo or $8,000/yr per location + $80/mo or $800/yr per user. Manual investigations included at no additional charge. No free trial. Auto-renews until cancelled. |
Three ways to act on any right.
Sign in and open your dashboard
The fastest path. Your dashboard exposes access, export, correction, and deletion tools directly.
File a dispute
Open the /disputes flow to correct a specific finding, indicator, or attribution. Provide evidence and the Back Office reviews within its published turnaround.
Send a formal request
Prefer email? Send an access, correction, portability, or deletion request to rights@hubordub.com. We respond within statutory timelines for your jurisdiction.
One standard. Every state we operate in.
- Same yardstick for every person and business.
- Every finding is source-cited and time-stamped.
- Disputes reviewed manually, never auto-closed.
- Purpose limitation, lawful basis, minimum-necessary data.
Need help exercising a right?
Email rights@hubordub.com or open a formal dispute at any time.