With rising delinquency rates and increasing charge-offs, creditors are facing challenges in their efforts to minimize losses.  Time wasted on inaccurate customer location information translates to larger roll rates and lost opportunities. In addition,  consumers have become more and more sophisticated at avoiding creditor inquiries by hiding their location and the collateral associated with their loan. Skip tracing servicer accuracy has decreased because their success largely depends on both the level of experience of the investigator and the tools they use. Indeed, skilled employees have become a scarce resource as of late, and many use outdated platforms holding old location information.  Adding insult to injury, lenders are paying exorbitant fees for poor or mediocre data.  Simply put, not all location service providers are equal and some creditors are unaware that they could do better.