Reach the right party, at a lawful hour.

Refresh addresses, phones and emails on accounts you already hold, confirm you have the right person before you dial, and check every call against federal and state calling windows.

• 250M+ people
• Match · No match · Review before any contact
• Federal + state calling windows · stricter wins
• Non-FCRA informational use only

Right party, right address, right hour.

• Refresh contact details — Current and previous addresses, phones and emails for accounts placed with you, each with the date it was last seen.
• Right-party confirmation — Match, no match or needs review on the details you hold — before a letter goes out or a call is placed.
• Lawful calling hours — Federal and state windows with the stricter one applied, and the live local time for every area code.
• Business debtors — For commercial accounts: whether the company is still active, who its officers are and where it files from.

Locate and contact. Never score or decide.

Use CoverFi for

• Locating a consumer on an account you already hold
• Confirming you have the right person before any contact
• Checking calling windows and frequency caps before dialling
• Verifying a mailing address is deliverable
• Researching a business debtor’s status and officers

Use a consumer report instead

• Assessing a consumer’s ability or likelihood to pay
• Deciding whether to extend credit or new terms
• Anything that feeds a credit-bureau tradeline
• Decisions about employment, housing or insurance
• Looking up people with whom you have no account relationship

CoverFi shows contact details and calling windows; it does not replace your FDCPA, Regulation F, TCPA or state-law compliance program. Calling-hour rules are reviewed periodically and are not legal advice.

From placement to first contact.

1. Bring the accounts — Look up one at a time, or upload the placement file and resolve it in bulk.
2. Confirm and refresh — Each row comes back match, no match or needs review, with the current contact details on file.
3. Check before each dial — One API call returns callable now, the window that applies and the next opening.

CoverFi is not a consumer reporting agency. Results are informational and may not be used to decide eligibility for credit, employment, insurance, housing or any other FCRA-regulated purpose.

Check a number before you dial.

Free to use. Every US area code, live local time.

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