SDS Product Offerings

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Favorite SDS product of the moment...

"The new TARGUSInfo Telephone/Address Verification is amazing! This database has dramatically improved our skip tracing process, allowing us to identify even unlisted number registrations. It is fast and easy to use."
~ David Slater, SCI Collections Manager

Here is a list of current SDS product offerings. Need something that is not listed here? Need more information on products? Call us today at 1-800-955-5238 or use our contact form.

If you are an existing SDS customer, you can add access to any of these products by simply filling out an additional product access form and faxing it to us. It is that easy! Have questions first? Call us at 1-800-955-5238.

Available products on SDS...

2 Credit Bureau Header Search

Accurint National Criminal Search

Accurint State Criminal Search

Bankruptcies Report

Bankruptcies, Liens and Judgments Report

Business Search Report

Civil High Court County Report (manual: 1 to 3 days)

Driver's License Scanner

• Initiate credit report retrieval process and identity verification by capturing driver's license information
• Initiate credit report retrieval process with driver's license caption and identity verification
• Electronically capture photo Ids, view through SDS and permanently attach to the application
• Create Tenant, Pre-Employment, Create packages and initiate with Driver's License Scan
• Extract Driver License data and automatically populate into SDS
• Detect false or tampered Drivers Licenses
• After capture, option to automatically run a bankruptcy, criminal search and more

Driver's License Search

Driver's License Verifier

• The zip code matches the state
• The last name matches the address
• The Social Security Number matches the first and last name
• The Social Security Number issue date is within a valid date range
• The Social Security Number is not listed as deceased
• Option for subject to meet specific age requirements.

Note that not all states include the social security number on their license layout. If entered before using this product, the social security validation will be included

eFunds Debit Report – Collections and Credit Issuance

eFunds Chexsystems Report (requires a relationship with eFunds)

• Closed-for-cause accounts
• History of NSF checks
• Screen consumers against OFAC

Evictions Report

Felony and Misdemeanor Report (manual: 1 to 3 days)

FICO Expansion Scores

The FICO Expansion Score will help you serve those customers who typically have little to no credit history. Developed by Fair Isaac, the FICO Expansion score is a credit risk model based on a broad set of alternative data sources.

Of the 215 million credit-eligible consumers in the US, approximately 25% have little or no history at the three major US credit reporting agencies. Many consumers such as young adults, immigrants, those recently widowed or divorced and individuals who have traditionally operated on a "cash basis" are unable to participate in mainstream consumer finance as they lack sufficient data at the credit bureaus to generate a traditional FICO risk score.

Users have the option of automatically or manually requesting a FICO Expansion Score whenever a ‘no hit’ or ‘thin file’ is received. You now can be one of the first to deliver this alternative score, allowing users to quickly assess the risk of these underserved consumers in a quick, reliable and cost efficient manner.

Designed by Fair Isaac and their high standard of predictive analytics, the score includes aggregated data from both positive and negative non-traditional credit data sources.

• Application data
• In the case of thin files, data returned from bureau
• Payment history from rental activity, utility and phone bill payments, membership payment obligations, retail purchases, checking and debit account activity and more!

• Auto Loan and Lease
• Credit Card and Retail
• Mortgage and Home Equity

FICO Score Card Evaluator

The Fair Isaac Score Card Evaluation Tool provides you with the opportunity to offer your customer with a copy of their score range with explanations as well as suggestions to help improve their score. This product can run after the original credit report is requested and the original credit data is utilized to generate this report. This report is ideal for applicants who were denied credit as a tool to determine how they can improve their score or when credit is approved as a value added service for assistance with improving their credit score. This product can also be turned on to send automated declination letters as well!

FREE Application Verifications

Eliminate data entry, fraud and erroneous applications with SARMA Data Systems’ new Application Verification tools. These real-time products may be used directly from the application to automatically populate, verify applicant information or screen for fraud.

• Turn on “Auto-Request” to automate the process and have information, e.g., social, zip code, automatically populated or verified as you tab through the application.
• All information is stored in a log which can be viewed directly from the application or report.
• Phone Number Lookup will check for phone number validity on the fly. This powerful product allows you to look up any telephone number and automatically complete or verify any section on application entry with name, address, city, state and zip. (TARGUSInfo Phone lookup fee applies)
• Zip Code Lookup (free) - Complete city and state with only a zip code.
• SSN Validation (free) - Automatically validate social security numbers to prevent fraud.
• Death Master File (free) - Automatically check for deceased SSN to prevent ID theft. Used by leading financial and credit firms as well as government agencies to match records and prevent identity fraud. By methodically running applications against the Death Master File, you are better able to identify and prevent identity fraud. The Death Master File (DMF) from the Social Security Administration (SSA) contains over 65 million records of deaths that have been reported to SSA.

Lexis Nexis Evictions, Suits, Liens, and Judgments

Motor Vehicle Search Report

MVR Driver Records (manual: 1 to 3 days)

NADA Vehicle Pricing Reports

National Background Data's (NBD) Criminal Offender Profile Summary (COPS)

• MultiState Sex Offender Report Instantly search records compiled from 38 states to return sex offenses.
Plus National Criminal Report Instantly search records compiled from 38 states to return felonies, misdemeanors, traffic violations, incarcerations and sex offenses. This report should be requested as a primary criminal history check. Comprehensive data includes felonies, misdemeanors, incarcerations, traffic violations and sex offenses from the leading database in the industry.
Plus State Criminal Report Instantly search records compiled from 38 states to return felonies, misdemeanors, traffic violations, incarcerations and sex offenses. This report should be requested as a primary criminal history check. Comprehensive data includes felonies, misdemeanors, incarcerations, traffic violations and sex offenses from the leading database in the industry.

Paynet Payment History Reports

• Borrower Profile
• Equipment Credit Scores
• Summary of borrower’s equipment lease and loan obligations
• CHR Plus includes Bankruptcies, Liens, Judgments and UCC filings

People Search Report Search

Property Search Report (by Deed or Assessor)

Reverse Phone Number Lookup

RouteOne Integration

RouteOne LLC, the web-based credit application management system launched by DaimlerChrysler Financial Services, Ford Motor Credit Company, General Motors Acceptance Corporation, and Toyota Financial Services, has integrated with SARMA Data Systems.

Integration between RouteOne and SARMA will provide dealers access to SARMA Data Systems for running credit reports through SARMA Data Systems, and pass the customer information to the RouteOne system to initiate the process.

RouteOne enables dealers and their finance sources, including captives and independent lenders, to manage the credit application and consumer financing process online, all from a single desktop. With RouteOne, dealers and finance sources are better positioned to manage the complexities of their business. Currently, RouteOne offers 21,500 dealerships nationwide access to more than 50 finance sources.

Criminal State Report (manual: 1 to 3 days)

State Department of Corrections Report (manual: 1 to 3 days)

Rapsheets Criminal Report

Through our interface with ChoicePoint Corporation, Rapsheets Criminal Records, a provider of online criminal records searches can be accessed through SARMA Data Systems. Rapsheets' products complement ChoicePoint's National Criminal File and provide a comprehensive database the area of criminal records retrieval. Rapsheets Criminal Records spans almost every state in the U.S. and includes searches at the county, state and regional and national level. The Rapsheets database delivers instant results of criminal data to assist in background screenings.

Secretary of State Search

The Secretary of State (SOS) search provides state-specific information such as corporate registration information, affiliated individuals, relationship to the business, names and addresses. Possible uses include background investigation, skip tracing and litigation research.

Social Security Number Verification Search

• The zip code matches the state.
• The last name matches the address.
• The Social Security Number matches the first and last name.
• The Social Security Number issue date is within a valid date range.
• The Social Security Number is not listed as deceased.
• Option for subject to meet specified age requirements.

Super Phone Search

• Real-Time Phone Directories
• Real-Time Nationwide Phone Search
• US Phone Listings

Trace Detail Report

Telephone and Address Verification

Get instant satisfaction that your customer is using a valid address or phone number. By simply entering the given phone number, this product will verify the number and return the associated address. The new TARGUSInfo database enables you to authenticate applicant information instantly through SDS. Once you collect information from the applicant including the applicant's phone number, the Targus Info database retrieves the information associated with the phone number permitting you to verify the information provided on by the applicant with the information contained in the database. Description codes include Standard Telephone, Individual, Business, Mobile , Maritime, 800 Service, 900 Service, Broadband, and whether Shared between standard telephone and cellular are provided by TARGUSInfo.

This product can also be used to auto-populate an application in seconds by simply typing in any phone number for an individual or business. An option will pop up allowing you to populate an application so you do not have to type in the applicant information to process a credit report or any other information report!

With the availability of the TARGUSInfo's Database, SDS is now your best source for accessing telephone number based information on over 200 million residential and business listings. To help in the decision-making process, TARGUSInfo Database links virtually every phone number, name and address in North America with additional relevant information such as demographics, phone type, phone location, purchase propensity scores, verification confidence scores, and risk assessment factors.

UCC Filings Report Details

Verify Express

Verify, in real-time, information provided by a consumer at any customer touch point – web, telephone, Point of Sale, or any other contact. Verify Express takes an input name, address and phone number and compares it instantaneously to TARGUSinfo’s database of over 200 million residential and business listings. Targus has over 60 million unique records not available on other phone lookup databases. They also have exclusive information updated monthly from multiple sources that is not found through common directories.

This product can also be used to fill-in information that was either missing from the consumer record or was entered incorrectly. On existing customer files, it can be used to verify and update name, address and telephone number information.