Certified Fraud Examiner Practice Exam 2026 – All-in-One Guide to Master Your Certification!

The primary purpose of credit bureau header searches is to locate people using online records. This process involves accessing basic identifying information associated with an individual’s credit file—such as name, date of birth, and address—which is crucial for verifying their identity and ensuring that the correct records are being accessed.

This kind of search is often employed in scenarios where it is necessary to confirm someone's identity or to track down individuals whose contact information may be incomplete or outdated. When the goal is to locate someone, the header information serves as a valuable tool to trace their current whereabouts using a variety of sources linked to credit records.

In contrast, the other options are more focused on different functions of credit information, such as assessing financial responsibility (evaluating loan applications), determining creditworthiness (verifying credit scores), or analyzing spending habits (monitoring credit card usage), and do not directly relate to the intent of a header search.