NCM Financial Counselors use several nationwide databases to obtain as much information on the
borrower as possible.

Skip Tracing is a vital function of the collection process that involves patience, tenacity, tact and above all, NCM expertise.

All accounts, regardless of balance, are sent through the National Change of Address Database (NCOA) when the first letter is generated. NCOA is the United States Post Office database that maintains all address changes. If a new address is located, the account is updated in our system with the new information.
The credit bureau report is an invaluable tool for locating the borrower as well as determining the borrower's employment, financial obligations and ability to pay. For Perkins/NDSL accounts, a review of the credit bureau report provides educational loan information as well as location information.