Your vehicle Identity
Verified. Persistent.
Transferable.
Homifax Automotive ID creates a permanent digital identity that verifies ownership, maintenance and transfer records throughout the vehicle lifecycles.
2M+
Verified Vehicle
150M+
Ownership Records
Up to 18%
Insurance Saving
91%
Fraud Reduction
96%
Maintenance Accuracy
94%
Ai Warning Accuracy
A connected view of your vehicle's identity. Every verified event strengthens trust and transferability.
How Homifax Insight Works
Vehicle Identiy Timeline
A complete chronological record of your vehicle's verified identities events
View Full TimelineVehicle Registered
Vin
Verification
Verified

Financed Reported
Title Collaterized
Verified

Maintenance Verified
40k miles service
Verified

Vehicle Care Reported
PPF color
wrap
Verified

Warranty Reported
Manufacturer part exchange
Verified

TSB
Reported
E-brake module update
Verified

Insurance Update
Full Coverage policy
Verified

What Build Identity
Every aspect of your vehicle's identity is verified through trusted data sources and documentation.
Homifax Asset ShieldOwnership
5 Items Verified
Maintenance
22 Items Verified
Provenance
2 Items Verified
Insurance
9 Items Verified
Modification
8 Items Verified
Compliance
6 Items Verified
Homifax Identity Layers
Multi-layer identity architecture built for value maximization, and permanentA multi-layer identity architecture designed to maximize asset value while preserving permanent record integrity. record integrity


Ownership
Deeds, Title & Transfer History

Maintenance
Repairs &
Service Records

Protection
Insurance &
Claims History

Improvements
Renovation &
Permits

Compliance
Inspection &
Certification

Intelligence
Ai monitoring &
Risk analysis
No Lock in Rate
~$0.27 a day after tax
8 USD per month, paid annually
plus applicable local taxes
Included $35 Activation & registration fee
*non refundable fee
*billed annually, plus applicable taxes
Billed once for 12 years
~$0.17 a day after tax before rebate
$720 USD Paid one time at sign up (Lock in rate) plus local taxes
Save Over $450 in tracking fee today for 12 years of value protection. for you and next owner
*billed once, plus applicable taxes
Billed once for life
~$0.15 a day after tax before rebate
$1,200 USD (Lock in rate) plus applicable local taxes
Save over $2,000 in tracking fee today for 25 years of value protection for you and next owner
*billed every 12 years, plus applicable taxes
Frequently asked questions
Are you a current report holder? Want to help us sharing your experience and on boarding new client to Homifax ? Contact us to become a Homifax Specialist Partners
Do i have to file the record myself or can a contractor do it for me?
You don’t have to file the record yourself. If you’re not a DIYer and have a contractor or someone working on your home, they can submit the records on your behalf. Once the records are submitted, we will send you a notification to confirm the submission.
What does it mean by "self enrollment" ?
Self-enrollment means an individual voluntarily signs up for a service on their own, without it being a requirement or part of an application process with a financial institution. It’s a proactive choice to access the service based on personal need or interest.
What are the key differences between Homifax AI Asset Shield Basic and Advance in terms of analysis capabilities, financial benefits, and features for Verified Property Owners ?

Does my Homifax Verified Report made available to the public ?
By default, your Homifax Verified Report is not freely available to the public. Homifax operates as a private record verification and management enterprise, ensuring your information remains confidential. Individuals or organizations of interest may submit a query or request to view your Homifax Verified Report, but access is granted only with your explicit permission as the owner. Additionally, Homifax provides an optional 'free-to-access' feature, which you may choose to enable at your discretion, allowing the public to view the report without requiring your approval for each request. To further protect your privacy, all proofing media and personal information submitted for verification are redacted by a record auditor after validation. In the event a request is made to view such proofing media, only the redacted version—marked with a Homifax verified checkmark—will be released, ensuring sensitive details remain secure while maintaining the report’s credibility.
What is the Homifax Umbrella Policy?
The Homifax Data Protection Umbrella Policy, provided at no additional cost with each annual asset tracking subscription, safeguards your investment. Should an irretrievable loss of asset records—such as those for properties, vehicles, boats, yachts, or aircraft—occur due to a Homifax system failure, we will reimburse your annual subscription fees for the affected year. You will also receive interest at an Annual Percentage Yield (APY) of 4.5% to 7%, determined by the number of records previously verified by Homifax.
When does the reimbursement apply?
Reimbursement applies only in cases of total record loss or irretrievable records caused by Homifax’s system issues, not user errors or external factors like device loss.
How is the reimbursement processed?
Upon verification of the record loss, Homifax will refund the full annual tracking fee to your original payment method within 30 days.
Does this cover partial record loss?
No, the Record Insurance Premium covers only total and irretrievable record loss.
How do I activate this feature?
The Record Insurance Premium is automatically included with all Homifax annual tracking subscriptions.
What is Loss & Casualty Account Rollover
Record holder with active Homifax asset tracking accounts impacted by a verified loss or casualty event are eligible for a full refund of prior tracking fees.
If you’ve been affected by a loss or casualty event, don’t wait—contact the Homifax team today to claim your rights! Our Loss and Casualty Account Rollover service ensures your records are seamlessly transferred to a new verified account, and we’ll reimburse all prior tracking fees paid. Protect your asset’s value and secure your peace of mind. Reach out now at https://www.homifax.com/support to start the process.
Does Homifax sell user data ?
At Homifax, we never compromise on your trust. Our clients pay an annual service fee for us to meticulously verify, securely store, and rigorously protect their proprietary records. We specialize in verifying submitted records, safeguarding privileged data, and providing verified report brokerage and independent rating agency services. Unlike others, Homifax does not offer free platform access in exchange for user data, rely on ad revenue, or sell your information behind closed doors. Our transparent annual fee ensures robust data protection, giving you peace of mind and control over your assets. Choose Homifax for integrity, security, and value.
Do you have a specific checklist of records item to improve the overall my overall Homifax Verified Property Rating?
While Homifax does not offer a specific, publicly available checklist to improve your Verified Property Rating, this is intentional due to the proprietary and dynamic nature of its algorithm.
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Here’s a deeper breakdown of why this approach exists and how homeowners can still strategically enhance their ratings:
1. Why Homifax Avoids a Fixed Checklist
Proprietary Algorithm: Homifax’s rating system is a trade secret, designed to evolve with market trends, regulatory changes, and data science advancements. Disclosing specific criteria could lead to manipulation (e.g., "gaming the system"), undermining the accuracy and fairness of ratings.
Seasonal Adjustments: The weighting of factors (e.g., energy efficiency, maintenance history, or local market conditions) may shift over time. For example, sustainability features might gain prominence during climate-focused policy changes, while renovation ROI metrics could adjust with housing market fluctuations.
2. How Homeowners Can Proactively Improve Their Rating
Even without a checklist, homeowners can focus on universal best practices that align with Homifax’s core objectives: transparency, accuracy, and market relevance
A. Prioritize Transparency
Document Everything : Upload verifiable records of upgrades (e.g., roof replacements, HVAC servicing), permits, and inspections. This builds a credible, audit-friendly profile.
Highlight High-Value Improvements : While Homifax doesn’t confirm specifics, upgrades like solar installations, smart home tech, or energy-efficient windows often correlate with higher valuations in most property systems.
B. Ensure Timely Updates
Avoid Reporting Gaps: Delays in updating records (e.g., post-renovation) can cause Homifax’s algorithm to rely on outdated data, lowering responsiveness to your home’s current value.
Sync with Market Cycles: If you renovate before peak selling seasons, update Homifax promptly to align with seasonal algorithm adjustments that may prioritize recent activity
C. Adopt General Property Best Practices
Preventative Maintenance: Regular upkeep (e.g., pest control, plumbing inspections) minimizes "risk flags" in systems like Homifax that may penalize deferred maintenance.
Leverage Third-Party Data: Homifax likely cross-references tax assessments, MLS listings, or utility records. Ensure consistency across these sources to avoid discrepancies.
Homifax’s model functions similarly to a credit score—it aggregates patterns rather than chasing isolated actions. For example:
A history of on-time mortgage payments (reported via connected lenders) signals financial responsibility.
Consistent property tax updates reflect stability to algorithms assessing "neighborhood reliability."
By focusing on long-term transparency and data hygiene , homeowners indirectly "train" the algorithm to recognize their property as low-risk and high-value.
While the lack of a checklist may feel ambiguous, it ultimately ensures ratings remain adaptive and unbiased. Homeowners should treat their Homifax profile like a dynamic portfolio : regularly refresh it, emphasize verifiable wins, and stay attuned to broader market trends that Homifax’s system is likely tracking. Over time, these habits compound into a stronger rating, even without a formal roadmap.
How can i earn back from the report / commercialization ?
The Homifax "Earn Back" policy is designed to incentivize homeowners to maintain and leverage their Verified Property Report by rewarding them financially when third parties (e.g., buyers, lenders, insurers) request access to their report.
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Here’s a detailed breakdown of how it works, its strategic value, and critical considerations for maximizing returns:
Mechanics of the Earn-Back System
1. Class-Based Tiering:
Class B Rating Requirement: Only properties achieving a Class B rating (or higher) qualify. This ensures the property meets baseline standards for safety, maintenance, and marketability.
Earn-Back Percentage: Each report release earns 35–50% of the report’s cost back to the homeowner. The exact percentage depends on:
-Property Class: Higher ratings (e.g., Class A) may unlock higher earn-back rates.
-Usage Frequency: Frequent report requests might trigger loyalty bonuses.
-Requester Type: Premium partners (e.g., top-tier lenders) could offer higher reimbursements.
2. Credit Utility:
Earned credits can offset Homifax’s annual tracking fee (for maintaining an updated report) or fund new reports (e.g., for refinancing or renovations). This creates a self-sustaining cycle: the more you share the report, the less you pay out-of-pocket for future services.
What happen to my Verified Property Report when i sold the property ?
Upon the sale of your asset, you will be required to transfer your verified record to its new owner. Your personal Homifax consumer credit will remain on your personal account if you choose to continue service with your new property
How can i get a class A status on my property report ?
You will receive a detail onboarding checklist to complete in order to maintain active filing status and minimum asset rating score.
What happen when i don't maintain minimum record update ?
Your Verified Property report will not receive an active score for that year, and we will only charge you 50% of the annual fee. for that year
Who has access to my Verified Report ?
The short answer is just you, the report holder, and whoever you allow to view your record. Upon your report is listed on HMLS, whenever party of interest query your report, we will send you a request notification
How parties of interest use my Verified Report ?
A Homifax Verified Property Report serves as a trusted, standardized, and tamper-resistant record of a property’s condition, history, and value. It acts as a single source of truth, streamlining interactions between property owners and key stakeholders. Here’s a critical breakdown of how different parties leverage it to drive efficiency, reduce risk, and optimize outcomes. By centralizing verified data, the Homifax report reduces information asymmetry in real estate transactions. It empowers stakeholders to act faster, price risk accurately, and build trust—ultimately creating a fairer, more efficient market. For homeowners, this translates to better rates, faster sales, and stronger negotiating power.
Why i can't obtain and build Homifax personal credit score ?
Since your account registration is a direct result of a banking and insurance policy request, we will not count your personal credit points. However if you have already obtain the service with us prior to these banking and insurance request, your score will be track along with all side benefits and rewards.
Why i can't create Homifax account?
Being unable to create a Homifax account could stem from several factors, but the most likely explanation—if tied to policy violations—is that Homifax’s Fraud Prevention System has flagged your profile or activity as non-compliant with its terms of service. Below is a detailed breakdown of potential causes, systemic safeguards, and critical considerations for resolving the issue:
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1. Common Reasons for Account Creation Failure
a. Prior Policy Violations
-Fraudulent Activity: Homifax may ban users for actions like:
-Submitting falsified property data.
-Manipulating reports to misrepresent a property’s condition.
-Creating multiple accounts to exploit incentives (e.g., the Earn Back program).
Abuse of Services: Excessive or malicious report requests, spamming third parties, or harassing other users.
Security Risks: Suspicious login patterns (e.g., VPNs, bots) or ties to blacklisted IPs/devices.
b. Automated Fraud Detection
Homifax’s system uses algorithms to flag high-risk behavior during signup, such as:
-Mismatched Information: Discrepancies between your name, email, property records, or payment methods.
-Geographic Red Flags: Attempting access from regions where Homifax isn’t licensed to operate.
-Duplicate Identifiers: Reusing banned email addresses, phone numbers, or device fingerprints.
2. How Homifax’s Fraud Prevention System Works
Multi-Layered Verification: Cross-references your data with public records (e.g., property deeds, tax IDs) and internal databases.
Behavioral Analysis: Tracks patterns like rapid report generation, inconsistent login locations, or sudden spikes in activity.
Third-Party Tools: Integrates with services like Sift or Arkose Labs to detect bots or stolen credentials.
3. Types of Bans
Temporary Suspension (90 - 360 days): For minor breaches (e.g., accidental duplicate accounts). Access may restore automatically after the period.
Permanent Ban: For severe violations (e.g., fraud, deliberate misinformation). Requires manual appeal and evidence to overturn.
Shadow Ban: Your account appears functional, but reports are hidden or marked “unverified” for third parties.
4. Steps to Resolve the Issue
a. Diagnose the Cause
Check for emails from Homifax’s Trust & Safety team explaining the ban.
Review the User Agreement for violated clauses (e.g., Sections 4.2 on data integrity or 7.3 on fair usage).
b. Contact Support
Submit a ticket via Homifax’s help center or a secondary email (e.g., appeals@homifax.com). Include:Proof of identity (government-issued ID).Documentation disproving fraud (e.g., property records, repair invoices).For permanent bans, escalate to a supervisor or legal team if you believe the decision was erroneous.
c. Technical Workarounds
Use a new device, network, and email—but only if the ban was accidental. Deliberate circumvention may worsen penalties.
5. Critical Considerations & Limitations
a. Transparency Issues
Homifax may withhold specific ban details to prevent fraudsters from gaming the system. This lack of clarity can frustrate legitimate users.
Example: A user unknowingly triggers a ban by sharing their report with a lender later flagged for fraud.
b. False Positives
Overly aggressive fraud filters may block legitimate users, especially those:Using shared networks (e.g., realtors in an office).With common names matching blacklisted profiles.
c. Legal and Ethical Risks
Data Privacy:
Homifax’s fraud system might retain biometric or geographic data, raising GDPR/CCPA concerns.
Right to Appeal:
Unlike credit bureaus, Homifax isn’t legally obligated to provide dispute mechanisms, though reputational incentives exist.
What is Homifax Rating ?
A Homifax Asset Rating is a verification score that reflects the credibility and value of your asset based on detailed, authenticated records. It’s like a credit score for your property or other assets, helping buyers, lenders, and insurers trust its worth.
A Homifax Asset Rating is a unique evaluation provided by Homifax to assess and validate the quality, history, and reliability of your asset—whether it’s a vehicle, property, or other high-value item. By verifying records like maintenance history, ownership details, and usage patterns, Homifax creates a transparent and trustworthy profile for your asset. The benefits are significant: a strong Homifax Asset Rating can boost your asset’s market value by proving its condition and reliability to potential buyers. It can also lower insurance rates or secure better financing options, as lenders and insurers rely on this verified data to reduce their risk and your risk while living with it. For sellers, it speeds up transactions by building confidence, while owners benefit from organized records that maximize long-term value. Essentially, it’s a powerful tool to enhance trust, save money, and simplify dealings in the marketplace.
One day Someone Else Will Own Your Home
Will they trust its history?
Every Inspection. Every Repair. Every Warranty. Every Improvement.
Up to $8,000 more at resale
When documented and verified with Homifax, vehicle with stronger identity completness and documentation typically expereience :
- Faster transaction
- Better buyer confidence
- Reduce due diligence
- Stronger resale support








