The industry's most comprehensive suite of collection and recovery tools.

The SPOT tool suite gives you easy access to bank account and place of employment information to help you determine the likelihood of debt recovery and find the debtor's workplace.

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SPOT Verified Bank Locator

Locate, verify and predict the performance of an individual’s bank accounts.

The SPOT Verified Bank Locator offers the most accurate data available on a consumer’s current banking information. The service leverages multiple sources of data reported to and aggregated by MicroBilt to identify ABA Routing and Bank Account Numbers associated to a submitted individual.

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What It Does?

SPOT Verified Bank Locator derives data from MicroBilt’s banking database containing more than 1.7 Billion ABA and account number transactions reported from loan applications, retail purchases, financial institutions, and other ACH/check transactions. This database is considered to be one of the largest databases of its kind in the U.S., and MicroBilt’s industry-leading search and match algorithms offer unparalleled access to this information for approved users. This data is refreshed daily to ensure currency.

Once a bank account is linked to an individual, MicroBilt puts the information though a stringent multi-layer verification process to verify the status of the account. Direct verification with the financial institution using MicroBilt’s call center verification team and automated verification options are used to confirm the bank account is legitimate and currently open.

With this report, you can

  • Locate accounts – bank name and address, routing and account numbers, bank verification status, and up to 2 first and last names associated with the account when available
  • Verify accounts – SPOT uses the most extensive verification process available to confirm the account is open directly with the financial institution, while also making available extensive secondary verification processes only available from MicroBilt to deliver verified accounts even when the financial institution does not verify information without the account owner present

Each report returns

  • Bank name and address
  • Up to 4 verified ABA/account numbers per individual
  • Verification status and date
  • Up to 2 names last seen to be associated with the bank account

What is it used for?

SPOT Verified Bank Locator is used by collections and recovery professionals to locate and identify banking information. It is important in establishing the overall likelihood and amount of a recovery.

SPOT Place of Employment Report

A comprehensive employment history search right at your fingertips.

Simply put, the collection industry’s most comprehensive, accurate and convenient data source for place of employment reporting.

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What It Does?

The MicroBilt SPOT Place of Employment (POE) database leverages a unique combination of data (over 3 million social security numbers are added each month) to accurately identify the current employment history of an Individual.

Data sources include consumer lending applications, bank headers, PRBC alternative credit history data, and compiled third party data sources.

Your SPOT Place of Employment report contains

  • Current and historical employment history (up to 6 employers)
  • Employer names
  • Employer phone numbers
  • Complete employer Addresses
  • Phone status indicator
  • First report date
  • Last report date

With standardized, automated 24-hour batch processing, SPOT Place of Employment also delivers efficiency and convenience.

What is it used for?

SPOT POE is collections tool used to locate a place of employment for an individual that will help collection professional save time and money during the collection process.

SPOT Verified Place of Employment

Employment reporting made easy.

The SPOT Verified Place of Employment (POE) Report does the extra work to confirm an individual’s current place of employment.

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What It Does?

With a hit rate 300-400% higher than standard competitive products, SPOT Verified Place of Employment outperforms standard searches. In addition to public and proprietary data sources, MicroBilt also includes public-facing social media – Facebook, LinkedIn, Twitter and Instagram among the data resources searched.

Each file is evaluated over a 30 day period to ensure POE hits are accurate and up to date.

Your SPOT Verified Place of Employment report contains

  • Current and historical employment history
  • Employer names
  • Employer phone numbers
  • Complete employer Addresses
  • Phone numbers
  • Reporting Dates

What is it used for?

SPOT Verified Place of Employment Report gives collections professionals the confidence that they can call an employer knowing that the debtor currently works there. This saves time, money and effort during the collection process.

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