Your data. Your rights. Everywhere Hub or Dub operates in the U.S.
Hub or Dub™ is a United States-only, a U.S. consumer reporting agency operating in full compliance with the Fair Credit Reporting Act (FCRA), 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 privacy laws and the Fair Credit Reporting Act (FCRA).
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 Hub or Dub's published retention standards.
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 privacy and consumer-protection laws, and with the Fair Credit Reporting Act (FCRA). 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.
Authorized-purpose certification, decision notices, dispute investigation timelines, and consumer file disclosures.
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 that apply alongside the Fair Credit Reporting Act (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 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.
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.
Hub or Dub follows reasonable procedures to assure maximum possible accuracy of the information in every HOD Report. Nothing enters an HOD Score or HOD Report until our Investigation Team verifies it against source evidence. When a subject disputes an item, we reinvestigate free of charge, generally within 30 days (45 days where the subject submits additional information during the period), record the results, correct or delete anything that cannot be verified, and notify the subject in writing. Items deleted or corrected are not reinserted unless the furnisher recertifies accuracy and we notify the subject.
Free account (your own file)
Own file only- Who can hold it
- Any verified person or business, 18+, in the United States or a U.S. territory.
- Access level
- Claim, view, monitor, dispute, and correct your own HOD Score and HOD Report at no cost, forever. No access to any other person or business.
- Authorized-use status
- A free account never receives information about anyone else, so no permissible purpose is required and none is granted.
- Billing
- Free forever. No card required, no expiration.
HOD Personal Report
Certified use permitted- Who can hold it
- Verified businesses with a certified FCRA permissible purpose only. Individuals may not purchase or run a report on another person.
- Access level
- A single HOD Personal Report on a named individual, purchased one report at a time, with no subscription or membership required.
- Authorized-use status
- A HOD Personal Report may be purchased only after the requesting business records a specific, documented permissible purpose for that request and complies with all applicable disclosure, authorization, and adverse-action obligations.
- Billing
- $39.99 per report. Pay-as-you-go. No subscription, no recurring charge.
HOD Business Report
Certified use permitted- Who can hold it
- Verified businesses with a certified FCRA permissible purpose only.
- Access level
- A single HOD Business Report on a named company, purchased one report at a time, with no subscription or membership required.
- Authorized-use status
- A HOD Business Report may be purchased only after the requesting business records a specific, documented permissible purpose for that request and complies with all applicable disclosure, authorization, and adverse-action obligations.
- Billing
- $99.99 per report. Pay-as-you-go. No subscription, no recurring charge.
| Plan | Who can hold it | Access level | Authorized business use | Billing |
|---|---|---|---|---|
Free account (your own file) | Any verified person or business, 18+, in the United States or a U.S. territory. | Claim, view, monitor, dispute, and correct your own HOD Score and HOD Report at no cost, forever. No access to any other person or business. | Not applicable A free account never receives information about anyone else, so no permissible purpose is required and none is granted. | Free forever. No card required, no expiration. |
HOD Personal Report | Verified businesses with a certified FCRA permissible purpose only. Individuals may not purchase or run a report on another person. | A single HOD Personal Report on a named individual, purchased one report at a time, with no subscription or membership required. | Permitted with certification A HOD Personal Report may be purchased only after the requesting business records a specific, documented permissible purpose for that request and complies with all applicable disclosure, authorization, and adverse-action obligations. | $39.99 per report. Pay-as-you-go. No subscription, no recurring charge. |
HOD Business Report | Verified businesses with a certified FCRA permissible purpose only. | A single HOD Business Report on a named company, purchased one report at a time, with no subscription or membership required. | Permitted with certification A HOD Business Report may be purchased only after the requesting business records a specific, documented permissible purpose for that request and complies with all applicable disclosure, authorization, and adverse-action obligations. | $99.99 per report. Pay-as-you-go. No subscription, no recurring charge. |
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.