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Ravi: So when you apply for a new credit card with Citibank, it will update this information with the credit bureau. The credit bureau will run a few search and match algorithms and identify you as the same person who has overdue debts with the three banks in Mumbai. Ajay: Ah, I get it. So when the three banks use the credit bureaus services for skip-tracing me, they will get information about my new location, new address and new mobile number. Ravi: Yes, and since these lenders have access to your latest updated contact information, they will stop their collection activities in Mumbai, and get in touch with you for recovery process in Bangalore. Ajay: But how are credit bureaus able to match? Ravi: Well there are special skip-tracing How to find an individual? products, such as Cibil's "Locate Plus" and Equifax's "Implement Contact." As I said, they run search and match algorithms. They match your PAN number, date of How to find personal information? birth, voter's card Skiptracing tool number, your permanent address and a number of other fixed data. Ajay: Makes sense, I can change my address and mobile number.
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