Where can I get a 30 60 90 Day late List

Question

Has anyone had success with 30, 60, 90 day late lists companies to market to homeowners who cannot afford their home any longer?  If so, can you recommend a source for the list.  I want the info PRIOR to it becoming public knowledge.  Thanks :)

Travis Lloyd · Answer

Listsource... though by definition it IS public - you (the public) are buying it.

Wayne Brooks · Answer

@Andrew Brannick Do you know if that is still a Current offering?  These used to be widely available.....my understanding was they were being generated by the credit reporting co.s, since they are the only ones who would have this info., then compiling and selling it.  That always seemed like it was violating some type of privacy laws.  I have not seen these offered in the last couple of years, I thought there were some new reg.s stopping this.

Andrew Brannick · Answer

@Ron S. - I do not know if you are right in the legal stuff you said, there is probably a loophole in the contracts somewhere, but you can buy these lists everywhere. They are really expensive though (they are probably expensive because they are not public).

I copied the text right from a site you can buy 30-60-90 late leads from... pricing of the leads is included!

30/60/90 day late file (actual)

Target households with real time credit bureau information. These prospects are currently 30, 60 or 90 days late on their mortgages. Firm offer of credit and lending license information required. Pricing is .38 cents per record on 5,000 records or .43 cents per on 2,500 records.

Ron S. · Answer

There isn't a legitimate company in existance that is going to give you a list of delinquent homeowners. At least, not "delinquent due to non-payment" homeowners. That is not public information until the Notice of Default is filed. If you buy, or someone publishes to you a list of borrowers that are delinquent and gives you their name, address, contact information, they or maybe even you, may be in a heap of trouble if the customer complains.

Privacy laws have both state and Federal teeth in them. Let's reiterate, NPPI (Non Public Personal Information) is not to be shared without the person's expressed authorization. Delinquent tax data is public. Legal filings for foreclosure (And bankruptcy) are public but delinquency information that is not public information, cannot be shared without the borrower's knowledge and consent.

Where can I get a 30 60 90 Day late List

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