Practice Test GeeksCIP - Collection Industry Professional Certification Practice Test
← All CIP Flashcard Decks

Skip Tracing & Debtor Location Flashcards

7 cards from real CIP practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Skip Tracing & Debtor Location flashcards as text

  1. What is 'skip tracing' in the context of debt collection?

    Answer: The process of locating a debtor who has moved without providing a forwarding address

    Skip tracing is the practice of tracking down a debtor who has 'skipped' their known address without leaving updated contact information.

  2. Which federal law primarily governs how collectors communicate with third parties when seeking location information for a debtor?

    Answer: The Fair Debt Collection Practices Act (FDCPA)

    FDCPA Section 804 specifically regulates how debt collectors may contact third parties when acquiring location information about a debtor.

  3. In collections terminology, what does the term 'skip' refer to?

    Answer: A debtor who has moved without leaving forwarding contact information

    A 'skip' is industry slang for a debtor who has disappeared or relocated without providing updated contact details.

  4. Which of the following is a leading data aggregation platform used by collection professionals to locate debtors?

    Answer: LexisNexis Accurint

    LexisNexis Accurint is one of the foremost data aggregation platforms used in collections to locate debtors through public records and other data sources.

  5. What type of information do 'credit header' files typically contain that makes them useful for skip tracing?

    Answer: Name, address, Social Security number, and date of birth

    Credit header data refers to the identifying information at the top of a credit report — name, address, SSN, and DOB — which is frequently used to locate and identify debtors.

  6. Which of the following data sources is generally considered most current for locating an individual's residential address?

    Answer: Utility company connection and service records

    Utility connections are frequently updated upon moving and reflect current residency, making them among the most timely sources for locating a debtor's address.

  7. What is 'address verification' in the context of skip tracing?

    Answer: Confirming that a postal address is deliverable and currently occupied by the targeted individual

    Address verification confirms both that the postal address is valid and deliverable, and that the targeted debtor actually resides at that location.