Credit Score Mailing List
BB Direct's Credit Score Mailing List - Capture, Qualify, and Close
| BB Direct’s Credit Score Mailing List allows you to focus on only those qualified ready, willing, and able buyers. Using the right selects available on our Credit Score Mailing List, you’re able to not only select by credit score, but a host of other attributes which separate those potential prospects who are more likely to respond from those who are not. Utilizing pre-screen Credit Score Mailing List data shouldn’t be intimidating. Call one of BB Direct’s credit score data specialists to discuss how to onboard your next direct mail campaign, increase your response, and generate new leads for your sales professionals. | |||||||||||||
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BB Direct’s Credit Score Mailing List filters for ready buyers
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Credit Selects Firm Offer Requirements Credit Scoring Methodology
The types of selects (or filters) available on the Prescreen Credit File enable you to hone in on your best target audience based on how they make payments, when they make payments, and how much they pay, when they do.
Though you should discuss with us how to best use these selects, here is the list of Prescreen Credit File selects to choose from:
Auto Offer Selects
2 & 3 Year Minimum Credit Indicator
Age & Estimated Income
Age of Oldest Trade Open
Aggregated Revolving Debt
Auto Load Paid Percentage
Bankruptcy Data, i.e., discharge date, filing, and eliminator.
Beacon 5.0 Score & FICO Score
First Time Auto Buyer Indicator
Homeowner Indicator
Auto Lease Data, i.e., lease terminator, months remaining
Number of Open Auto Loans
Auto Loan Data, i.e., monthly payment amount, months remaining, payoff amount, paid-off indicator.
Presence of Auto Repossession
Total of All Trades on File - Open & Closed
Mortgage Offer Selects
FICO Score
Length of Residence
Home/Property Value
Revolving Accounts Aggregate Balance Amount
Loan To Value (LTV) Ratio
Number of Open Mortgage Trades
Aggregate Balance for Open Mortgage Trades
Mortgage Monthly Payment Amount
30, 60, 90 Days Past Due
First Time Mortgage Buyer
Conventional Loan Highest Balance
Age & Income
Presence of Repo
Bankruptcy Eliminator
When using true Prescreen Credit file data, the mail is required to make a "firm-offer" of credit. This means that the offer must contain specific wording that satisfies the credit bureau's guidelines. Additionally, there are a couple of "fine print" paragraphs that spell out the permissable purpose for gaining access to this data. For a complete, up-to-date, "firm-offer" guideline, call your BB Direct representative.
If not making a "firm-offer" of credit, BB Direct cannot provide credit score mailing list data.
The only two offers eligible for this data are new car purchase and mortgage refinance. Call BB Direct to discuss other, "non firm-offer" list options.
When using pre-screened mailing list data, it's important to know how a person's score is developed. Your credit score only changes, at most, once a month. Why? Because you typically pay, or not pay, your bills once a month. Experian, Equifax, and Trans Union all collect a feed of financial payment data from a variety of sources. They then tabulate your personal credit score using the same algorithym created by financial scoring company called Fair Isaac. Should one credit bureau collect your mortgage payment faster than another, but collect your auto loan payment slower, your score may adjust to the time of month the financial data is collected and you ask to calculate your credit score.
It's simple really. And your credit score information varies only 10 to 20 points from one bureau to the next. To better understand this credit scoring process and mail to only those potential loan applicants using their credit score, give BB Direct a call. We'll be happy to work with you to develop a winning strategy.
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