API+ Consumer Data

LocateSmarter provides API access to a unique database for GLBA governed
consumer information. This data, sourced from financial services institutions, includes
many thin and no-file consumers, as well as consumers who are found within traditional
header data APIs. As a standalone or supplemental data set, there is proven value in
the quality of the data 
– both new and historical– to support many use cases.

DATA FED FROM THE FINANCIAL SERVICES INDUSTRY

LocateSmarter’s unique data asset is sourced from over 15,000 retail merchants, lenders and financial entities. It contains over 210 million consumer records. The data is updated through various financial transactions, including the following:

  • Account Deposits
  • Lending Inquiries
  • Account closures
  • Check orders
  • Returned check items

ABOUT THE DATA POINTS

The data available via API includes Name, Address, SSN, DOB, Phone Number and Drivers License Number. Up to 5 variations of each element can be returned where available. The data provided is:

  • GLBA governed; sourced from an FCRA environment
  • Averaging a 70% - 90% hit rate
  • Updated monthly
  • 10% - 30% of consumers net new data elements
  • 2% - 4% new consumers

EXPANDED COVERAGE

While traditional credit sources can provide up-to-date consumer data, the
LocateSmarter data provides some unique snapshots of consumers outside the credit world.

  • Average age of consumer is 26, compared to 32 as seen with traditional credit header data
  • 70% coverage of credit-worthy people
  • 66% coverage of thin file consumers
  • 37% coverage of consumers with no credit

Do you need to expand your coverage of quality consumer data?

Contact Us