Alabama Private Investigator Practice Exam

Is it true that a credit header can be obtained on subjects through data brokers by Licensees and Private Investigators (LPIs)?

1. True

2. False

3. Sometimes

4. Only with permission

The correct answer is: True

A credit header is a specific type of information derived from a person's credit report that includes identifying details such as name, address, and past addresses. Licensees and Private Investigators have access to various resources for conducting background checks and investigations, including data broker services that may provide credit header information. Obtaining credit headers is generally permissible for those who are licensed and conducting legitimate investigations, as they are navigating legal frameworks that allow access to this type of information—especially when it pertains to business transactions or investigative purposes. Access is tightly regulated to protect consumer privacy; thus, licensed professionals typically have to adhere to certain guidelines and can utilize these resources as part of their investigative work.