"What Are Your Background Checks Missing?"

The Civil Court Search Report (also referred to as the Person - Civil Court Record Search or Person - Bankruptcy, Lien, Judgment Report) provides comprehensive insights into any civil litigation history associated with an individual or entity involved in a transaction, such as a loan application. This report was developed specifically to address the void created when credit bureaus removed judgment and lien records from credit reports in 2017 and 2018.

The report helps lenders and financial institutions assess potential legal risks that could impact the loan process or an applicant’s financial reliability. It is crucial for conducting due diligence in the lending process.

The Civil Court Search provides a thorough examination of an individual’s civil court records, drawing from a vast database of over 3,600+ jurisdictions across municipal, county, state, and federal levels. It is designed to identify:

• Judgments or Liens.
• Bankruptcy Filings (detailing the type, filing dates, status, or outcome, such as Chapter 7, Chapter 11, or Chapter 13).
• Lawsuits related to debts, contractual disputes, property claims, and other civil matters.

The search uses advanced methods to ensure accuracy and minimize false positives. Because legal records often lack the Social Security Number (SSN), PitchPoint employs a 4-point matching system to ensure accuracy. Additionally, the report uses a document summation algorithm designed to remove anomalies, thereby reducing false positives and the effort required for analysis and comprehension.

Yes, the civil court records are included in the overall ADV (Application Data Verification) Analysis. This is part of the broader effort to verify key loan data and highlight discrepancies between the loan application data and public records.

A Civil Court Supplement is a formal process initiated to perform additional research on a court record (Bankruptcy, Lien, or Judgment) identified in the initial search. This is typically done to confirm the status of the record, such as verifying if a judgment has been satisfied or if a lien has been released. The goal is to correct or update inaccurate/outdated information found in public repositories.

You must submit a new order for each court record requiring research. PitchPoint provides three submission options via the pointservices platform:

1. Submit a Supplement Request to be Completed by PitchPoint: PitchPoint researchers perform the court case research.
2. Submit Disputes on Behalf of the Consumer: For consumer disputes regarding the status or ownership of a record.
3. Submit Completed Supplements: For clients whose research team has already completed the supplement and needs to deliver the updated data to PitchPoint for reporting.

When ordering a supplement, you must provide the loan reference number and the borrower's information (First Name, Last Name, and SSN is required; Date of Birth is optional but helpful). You must also input the Court Case Details, including the Court Case No., the type of case (Bankruptcy, Lien, or Judgment), and details like the Chapter/Plaintiff/Lien Issuer Amount. You can also add multiple attachments and specific instructions (e.g., “Confirm satisfaction/identity/release”) via the additional comments box.

PitchPoint researchers follow a detailed process to confirm the status of records.

• For Judgments/Liens: They search the county clerk of court (for judgments) or Register of Deeds (for liens) using the case number to find the status.
• If not released/satisfied: For judgments, the researcher seeks the plaintiff attorney’s contact information to confirm if the judgment has been satisfied or if a payment plan is in place. For liens, they may contact the listing agency, such as a state Department of Revenue.
• For Bankruptcy: All cases are looked up on PACER using the consumer's SSN to review creditors and confirm if the listed plaintiff in the judgment was included in bankruptcy.

Upon completion of the research (either by PitchPoint or the client’s team), an updated Person - Civil Court Search report will be delivered. The updated report will reflect the status change (e.g., from "Failed" to "Cleared by Lender") and will include journal notes detailing the resolution steps and supporting documentation.

Yes. Managing these findings is a key component of PitchPoint’s exception management capabilities. The process provides clients with an effective and efficient workflow to manage discrepancies, ensuring consistency across the enterprise. The ability to resolve and close these findings ensures that the final conclusion (e.g., a report or a "pass" in a workflow) can be executed