Are Creditors Permitted to Track Me with a People Search Tool?

Debt isn’t always a bad thing. Most people can’t afford to pay upfront for big expenses like education, cars, or houses. As long as you keep your debt manageable and pay your bills on time, your credit will improve, making it easier for banks to lend you money when you need it.

However, life can be unpredictable. Things like losing a job, going through a divorce, or experiencing a family tragedy can seriously impact your financial situation and ability to pay off debts. When that happens, lenders often try to work out a new payment plan with you. But if those talks don’t work or if a long time goes by without payments, the debt is labeled as bad. To get their money back, creditors might hire debt collection agencies.

Tracking down people who haven’t paid their debts can be tough. Moving, even to a different state, doesn’t erase your debts. Collection agencies are motivated to find these debtors using databases that look at public records. Since this information is public, it’s perfectly legal.

Still, just because information is publicly available doesn’t mean it’s easy to track someone down. That’s where companies that pull together public records step in. They help lenders and other organizations find people who are behind on their payments by combining data from phone books, property records, surveys, etc. They can search through over 130 million Australian records to find a match.

A person locator service can legally and easily find people who have moved, bought or rented a property, or set up a new phone service. These databases use information like birth year, past addresses, and former names to pinpoint where someone is now. Their strength lies in how often they update multiple sources of information. If one data point is out of date, others are likely current, helping provide an accurate address and phone number for the person being sought.