Who We Are and What We Do
U.S. Asset Records exists to answer one question with documentation instead of guesswork: what does this person or company actually own that a court, a creditor, or an estate can reach. Since 2018 we have answered it for law firms, collection agencies, lenders, and individuals in every state, using a team with decades of combined records research experience. The work product is deliberately simple: three flat-fee reports. The $95 Skip Trace locates a subject and confirms identifiers.
The $195 Asset Profile Report is the core product, documenting real property, business interests, vehicles, UCC positions, judgments, and liens connected to a name. The $295 Creditor-Status Profile adds the FCRA-compliant depth a judgment creditor needs for enforcement planning. Fees and procedures described on this page are current as of August 8, 2026.
What we are not matters just as much. We are not a law firm, we do not give legal advice, and we are not a data broker reselling unverified aggregator output. Every engagement is a fresh search of the primary record systems, assembled and reviewed by an analyst, and delivered as a report your counsel can check against the sources line by line.
The Story and the Standard
The firm started in 2018 with a frustration familiar to anyone who has ordered an asset report: too many vendors sold repackaged aggregator data at investigation prices, with no sourcing, no analyst judgment, and no accountability when a stale record sent a client down the wrong road. The founding decision was to build the opposite: primary-source research, flat pricing published on the site, and reports written so that every line can be checked. That decision still governs how the firm runs.
Pricing has changed exactly twice since founding, both times announced plainly, and the current schedule of $95, $195, and $295 is the whole schedule; there are no upsells waiting behind a quote request.
The second founding decision was to say no in public. No bank balance promises, because federal law forbids the methods that would produce them. No court-outcome guarantees, because records research informs a case rather than winning it. No invented urgency, review scores, or client counts. A records firm earns trust the same way its reports do, by being checkable, and this page is written to that standard.
How We Work: Method Before Conclusions
Findings start at the source. Real property comes from county recorder and clerk indexes, the same grantor and grantee books a title abstractor would pull, across every U.S. recording jurisdiction. Business interests come from Secretary of State registries in all 50 states, cross-referenced for officer, member, and registered agent connections. Vehicles, watercraft, and aircraft run through the permissible-purpose channels that govern each registry. Court exposure comes from federal dockets through PACER and state judgment records, and secured-lending positions come from UCC filing indexes.
The analyst layer is what separates a report from a data dump. Names get standardized across spelling variants, entities get connected to the people behind them, satisfied liens get separated from live ones, and anything ambiguous is labeled as ambiguous rather than dressed up as a finding. When the records show little, the report says so. A clean no is often the most valuable answer a client receives before committing to litigation, and we would rather deliver that honestly than pad a file.
The Compliance Framework We Operate Under
Three federal frameworks shape every search. The Fair Credit Reporting Act governs when consumer-report information may be used, which is why the Creditor-Status Profile is reserved for permissible purposes such as collection of an existing judgment; the statute is published by the Federal Trade Commission. The Gramm-Leach-Bliley Act and is never sold protects customer financial records, which is why no ethical firm can simply pull a person’s bank balances, and why we say so plainly on our bank account research guide instead of implying otherwise; the FTC publishes GLBA guidance as well.
The Driver’s Privacy Protection Act controls motor-vehicle records access, and our vehicle research runs only through its permitted purposes.
Method restrictions follow from the same principles. No pretexting, no contacting the subject, no social engineering, no scraping data we are not permitted to hold. Research that cannot be done lawfully is research we decline, and we tell prospective clients that before taking their money.
Why Flat Fees Instead of Hourly Billing
Traditional investigators bill $75-$150/hr, which means the client bears the risk of a slow search and cannot know the cost of an answer until after paying for it. Flat fees invert that. The $95 Skip Trace, $195 Asset Profile Report, and $295 Creditor-Status Profile cost the same whether the subject holds two assets or twenty, in one county or fifteen, and the price is published before you order rather than quoted after a consultation. For law firms and agencies running volume, that predictability is the difference between a research line item they can budget and one they cannot.
Flat pricing also disciplines the product. Because we cannot bill more hours, reports are engineered to be complete the first time: standardized coverage across the record families, analyst review before delivery, and a defined 24 to 72 hour window instead of an open-ended engagement. When a matter genuinely needs custom scope, multi-entity corporate work or historical research, we quote it as its own project before starting, never as surprise hours after.
Accuracy and Editorial Standards
Every finding in a report names its source: the county and instrument number for a deed, the court and index number for a judgment, the state and filing number for a UCC position. That discipline exists so any finding can be independently verified, and it is the same standard we hold on this website. Statutes are cited to official publishers, state pages reference the actual enforcement and exemption laws of that state, and we do not publish invented statistics, fabricated review scores, or testimonials that cannot be verified.
When something changes, we change it. Exemption amounts get amended, county systems migrate, agencies reorganize their sites, and pages here are revised on an ongoing basis to keep citations live and figures current. If a client or reader spots an error, the contact page reaches an analyst directly and corrections are made promptly.
Common Misconceptions, Corrected
No legitimate firm can pull someone’s bank balances on request. Customer financial records are protected by federal privacy law, and vendors implying otherwise are describing either pretexting, which is illegal, or guesswork dressed as data. What lawful research can do is document the assets that live in public records, and, for judgment creditors with a permissible purpose, support the FCRA-compliant channels that exist for post-judgment discovery.
No single database contains everything. Recording happens county by county, business filings state by state, and litigation court by court, which is why aggregator-only reports miss assets and why our searches go to the primary systems. A related misconception runs the other direction: that a report finding little means the search failed. It usually means the subject genuinely holds little that is reachable, and knowing that before spending five figures on enforcement or litigation is precisely the point. Finally, an asset search is not a credit report; nothing we do touches the subject’s credit file or alerts them that research occurred.
