Know the record.
Make the call.
Your HOD Score and HOD Report are free forever. Verified businesses can run FCRA-compliant reports with a certified permissible purpose.
One score.
Two ways in.
Every account is free. Your own HOD Score and Report stay free forever. Businesses pay only for reports actually run.
Free forever
Your record. Your rights. Your account.
- Claim and monitor your personal or business HOD Score
- Read your own HOD Report and verified updates
- Submit evidence, request your file, and dispute inaccuracies free
Evidence in. Score out.
Nothing moves a HOD Score except verified evidence a real person approved.
Evidence, or it doesn't count
Documents, records, receipts, contracts, public findings. Anonymous opinions never touch a score.
A verified pattern of trustworthy conduct over time.
Substantiated negative findings, until conduct improves.
A human checks it
Back Office reviews every submission and can approve, reject, or ask for more.
Updates in real time
The moment evidence is confirmed, the score moves. No monthly cycle.
One profile, nationwide
All 50 states, D.C., and every U.S. territory. One permanent profile, no duplicates.
Disputes always accepted
Investigated in up to 30 days, or 45 if we need more from a third party.
Submit a dispute0 to 1,000. Proof only.
Starts at 0. Moves only when a human verifies the evidence. Tap a finding.
Before the “yes”, there’s Hub or Dub.
Partners & vendors
Vet co-founders, contractors, investors, and suppliers before you sign.
Tenancy & property
Screen applicants and verify buyers without chasing references.
Caregivers
Nannies, tutors, aides. Court records and verified conduct in one place.
Hiring
Look past the resume with evidence-backed, verdict-grade signals.
Lending & finance
Layer HOD signals onto KYC and underwriting decisions.
Providers & pros
Confirm a practitioner is legit before you share anything private.
Know who you are dealing with,
before you commit.
Big decisions need more than a good pitch. Get documented facts, reviewed findings, and the context behind the score.
Verified employers and staffing teams
Look beyond the resume.
Bring identity, documented history, and reviewed findings together before a lawful hiring decision.
Explore business reportingThe evidence behind the decision
- Identity and relevant employment records
- Education information supported by available evidence
- Reviewed findings with sources and dispute status
Certify your employment purpose and follow required disclosure, authorization, and adverse-action procedures. Information may be unavailable or disputed. A score is not an approval or eligibility decision.
Human reviewed
Nothing clears a report without authorized review.
Sources in view
See the supporting record, not just the result.
Current context
Know when information was last verified.
Rights stay intact
Dispute inaccuracies. Get corrections reviewed.
Credit measures borrowing. Records searches freeze a day. HOD measures now.
A credit score reads historical credit behavior. A history screen returns the records a search could reach on the day it ran. A HOD Score™ is different work: verified, authorized, relevant evidence, reviewed by a human investigator and kept current on a 0 to 1,000 scale.
Historical credit behavior reported by lenders.
- Question it answers
- How has this person repaid borrowed money?
- Evidence it uses
- Tradelines, balances, and delinquencies furnished to credit bureaus.
- Time horizon
- Backward looking, weighted to past credit activity.
- How current it stays
- Updates on furnisher reporting cycles, typically monthly.
Records available in the sources searched, at the moment of the search.
- Question it answers
- What records exist for this person right now, in these databases?
- Evidence it uses
- Court, criminal, and identity records within the searched jurisdictions.
- Time horizon
- A point-in-time snapshot tied to the day it was run.
- How current it stays
- Static once delivered. It only changes if you run it again.
A continuously maintained picture built from verified, authorized evidence.
- Question it answers
- What can actually be proven about how this person or business shows up today?
- Evidence it uses
- Current public information, verified records, submitted documentation, and corroborated HOD Drops.
- Time horizon
- Present tense, with documented history kept in context.
- How current it stays
- Updated as new evidence is verified, with a full review at least every three months.
A HOD Score™ is not a credit score and is not a substitute for any legally required credit or eligibility decision. It measures verified reputation. Credit scoring and history screening measure different things, and Hub or Dub does not predict, replace, or restate either one.
Watch an investigation build a score, step by step.
Evidence arrives, a person checks it, and only what clears review adds to the score. Tap any item below to jump to it.
A person reviews every item. No score moves without human sign-off.
Unsupported claims are documented and excluded. They never touch the score.
Single events never cause dramatic swings. The score is weighted evidence, not a tally.
Sample console with a sample subject. Not a real person, not a real case. Real HOD Scores are reviewed by Hub or Dub investigators nationwide and re-verified on a recurring cycle.
Get started with HOD!
Create a free account and claim your live HOD Score in minutes.
Every item is reviewed before it affects a report or score.