Asset Location Services
GLB-Compliant | Bank Accounts | Brokerage Accounts | Individual & Commercial | Nationwide
GLB-Compliant | Bank Accounts | Brokerage Accounts | Individual & Commercial | Nationwide
Cornerstone Intelligence offers the most comprehensive suite of asset location services of any investigation or intelligence agency in Texas.
Leveraging proprietary software algorithms and good old fashioned investigative techniques, Cornerstone Intelligence can provide our clients with bank, brokerage, and retirement account information of our subject, along with open credit lines, current employment information (if unknown), FEINs & SSNs, business bank account info, nationwide real estate holdings, and much more.
Most importantly, all research is done legally and in full compliance with the Gramm-Leach-Bliley Act, meaning that you never have to worry about the authenticity or legality of the information.
Statewide and Nationwide Asset Reports
Statewide and Nationwide Availability
We can use many of the same techniques and resources we use in asset location investigations to find missing persons, loved ones, and even dead beat parents or debtors who have flown the coop or otherwise gone missing.
If your private eye is calling your subject’s bank and pretending to be that person in order to get his or her account information, that investigator is breaking the law! He’s also jeopardizing your case.
Pretexting to get financial account information is not only illegal, it’s not very effective. Studies have shown that it only works about 40% of the time, and that’s assuming that the pretexter was very well-trained. Why waste your money on a shady investigator who likely can’t even deliver the information you need?
Let Cornerstone Intelligence be your financial information solutions provider!
How do you do bank locates?
The $64,000 question is always, “How do you do bank locates?” The next question is always, “Is it legal?”
Over the years, there have been several ‘innovative’ ways to locate bank accounts. Pretty much the only legal way was for an private investigator to go “dumpster diving” and pull a bank statement out of your trashcan in the middle of the night, or follow you around until you went to your bank to make a transaction. Both methods were time consuming, sometimes pretty gross, and oftentimes expensive. There were other “creative” ways to locate bank accounts, too, but for the most part those were illegal.
Several years ago, a database company began selling “E-Funds” reports from Chexsystems that could lead an investigator to a bank at which an individual had attempted to open an account within the last three years. While this was legal, it was not very productive, with “hit” rates in the 30% range. Also, E-Funds reports were not available for business bank accounts at all.
Cornerstone Intelligence does things differently. We pride ourselves on being ethical and delivering first-rate results. To that end, we utilize proprietary software and algorithms that use data from third party providers of electronic transactions to locate originating transfer banks and funds available in specific accounts. These providers use key data in the transaction to track and verify funds availability. Each and every electronic transaction in the country utilizes these “transaction codes” that do not include the actual account numbers of the parties making the transactions. That “transaction code” identifies the originating bank, the account holder, the receiving bank, and that account holder. Every SWIFT, ACH, wire, or credit/debit card network utilizes these computerized “transaction codes.” This software “decrypts” the transaction codes and gives us the information we need.
These networks have been around for a long time passing these “transaction codes” around the globe, and selling the data for commercial, non-public use, although very few companies know the information is available, and even fewer know what to do with the information once they receive it.
How accurate is this method? Very. Do we need to call the bank? Absolutely not! And while not 100% effective in locating every account a person or business may hold, this method has proven to locate the relevant information far more regularly than any other method…and it’s 100% legal.
Let Cornerstone Intelligence be your go-to source for ethical, legal, asset location services.