Skip Tracing & Electronic Account Listing
Our collectors have access to skip tracing software systems by Metro Search, Accurint, “DART” by CSC Credit Service, Accolaid and PhoneDisc PowerFinder. In various circumstances, we use credit bureau services, county clerks, contact references and landlords to locate the debtor who cannot be found at his or her last known address. TAB also uses its own database, which contains more than 1,000,000 names and addresses referred by other clients.

TAB can list accounts and report payments electronically, and currently employs this technology with many of its clients. TAB has the capability to adapt its system to work with almost any means of data transmission.

We report to the following credit bureaus every two weeks: Experian, Transunion and CSC Credit Services.

FDCPA (Fair Debt Collection Practices Act) &
FCRA (Fair Credit Reporting Act) Regulations
Our software allows clients to transfer all information required by FCRA regulations. TAB’s clients and collectors are consistently made aware of these requirements. Any account not containing all information required by the FCRA will not be submitted to the Credit Bureau.

Every collector at TAB receives comprehensive computer-based training on the FDCPA and is required to pass a test before beginning collection activities. Additional training is provided through area educational institutions and American Collectors Association (ACA) seminars. To ensure compliance with the FDCPA, TAB systematically monitors collector phone calls.

Hardware & Software
TAB utilizes a high-powered IBM AS-400 server combined with the Quantrax Intellec software collection system to collect on accounts quickly and efficiently. Our collectors also use CallPro Auto and Power Dialing equipment to further expedite collection efforts. To increase the number of calls collectors make, TAB also employs an Access Predictive Dialer.