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Skip tracing -- as the business of locating missing persons is known -- may seem to the uninitiated like the modern-day equivalent of the black arts practiced in the Middle Ages. Professional skip tracers claim to be able to locate just about anybody, anywhere in a matter of minutes by means of a couple phone calls or taps on a computer keyboard.
Their main secret is the "social security trace." In using this type of search, they're simply running the subject's social security number through the credit bureaus and getting back so-called "header files" from his/her credit report. Header files contain only the "header" section of a credit bureau file, which provides the subject's full name, address, and vital information such as date of birth and sometimes even current employment. Header files were, until recently, considered public information under the Fair Credit Reporting Act. The Graham, Leach Act has, however, restricted their use to "permissable purposes," meaning, essentially, business/investment transactions, insurance, employment, and litigation.
But what if the skip tracer doesn't have the subject's social security number? In that case, he can resort to what's known as a "national identifier search" which uses the last-known name and address, without the social security number, to locate the individual. (This search, needless to say, doesn't always work, as many "skips" adopt aliases.)
The skip tracer's secret, then, is to trace people through the credit bureaus' files. Can you do the same? Actually, no -- there's a catch. The catch is, you have to have an account with a major credit bureau; but the credit bureaus will open accounts only for specific types of businesses, such as information professionals. And of course, if you use an information pro to run the trace for you, there's a fee.
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WHAT CAN I FIND OUT ABOUT SOMEONE?
First, be clear about the fact that public records online will not tell you everything about everybody!
For example, if you want to know if your subject is a drug user, this will usually not show up in the public record locators unless he's* been arrested for drug use/possession. And you can not access his medical records (which are not public records) without his permission. So you would in this case have to use other methods, such as surveillance (by a private investigator) or interviews of neighbors or associates (perhaps also by a private investigator) for evidence of a criminal record.
This said, there is a vast amount of information about individuals available in public records. Examples: his age, address, marital status, occupation, current and past employment, educational level, driving record, litigation record (including a possible divorce or divorces), criminal record statistics (if any), bankruptcies (if any), military record, and financial worth (with some limitations). You can also use public records to gain a sense of his reputation and what people think of him.
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