01The record
One file
Who is the person?
A trust standing where the record expected a person.
RUUPA · state law
See the record traced
Preview Build
Core Creek
Records that hold up under examination.
An independent methodology practice for the records that decide who someone is, whether they can still be accounted for, and what they are owed.
Your book
State of your book
Illustrative
Insurance
$365.4M
total records exposure
300,000 policies
§
A multistate review found insurers owed beneficiaries close to $10B they had never searched for.
See the method
Three questions a book of records has to answer.
The same examination, read at three scales: one record, the whole book, and the exposure it carries.
02The book
300,000 policies
Is the person alive?
The death in 2019 the match line never caught.
RUUPA · state law
See where the line falls
03The exposure
$365.4M
What are they owed?
The benefit plainly owed, never once searched for.
RUUPA · state law
See what it costs
A match is two records and a claim. The work is proving it holds.
Scope
The match
Method
What you get
Engagement
Aggregators
The data
Kept shallow
A black box
A feed
A subscription
Auditors
Match and locate
Set by the vendor
Closely guarded
A finding
A managed service
Advisors
An assessment
Referred out
Their framework
A recommendation
A report
Core Creek
The whole chain
Mapped to the rule
Open and validated
A record that reproduces
A practitioner, per book
The practice behind the file.
James has spent more than twenty years on records that have to survive scrutiny, and has worked the problem from every side. He has shown institutions where their missing data sits and how to bring it to standard, rebuilt the logic that decides whether two records are one person, and read the regulations closely enough to know when either is good enough.
Fourteen of those years were spent on a records-remediation and death-audit platform inside two national consulting firms, relied on across regulated markets. He found and vetted many of the sources it drew on, ran its data operations, and helped grow it from one client to dozens across insurance, pensions, managed care, and state and federal agencies, keeping nearly all of them.
On the fee
Core Creek charges for the examination, not the finding.
There is no contingency, and no fee that grows with what the work turns up. The practice has nothing to gain by finding more than is there, and everything to gain by being right. Its one stake in any result is whether it holds.
On the name
Core Creek is a small creek in Bucks County, Pennsylvania, a few miles from where the practice is run. In the 1700s it powered a fulling mill, where loose wool was washed and worked dense until it held as cloth hard enough to wear through a winter, stitched in nearby Newtown into uniforms for the army at Valley Forge. Fulling is the work of making something hold. So is this.