Skip Tracing

Skip Tracing Definition: Skip tracing is the investigative process of locating a defaulted borrower (a 'skip') who is not responding to communications or has moved residences without informing the lending institution.

Why it matters in Debt Collection

• Involves analyzing alternate data: utility bills, social media, secondary contacts, and public records.
• Vital for executing field visits when initial KYC addresses fail.
• With modern Account Aggregator frameworks, tracing has become heavily digitized.