PROVIDING CREDIT SCORE DATA FOR 25+ YEARS
CREDIT SCORE DATA OPTIONS
With DMDatabases you have the option of selecting an actual credit score mailing list … or a modeled credit score mailing list (lower price). For some offers the lower price modeled credit score mailing list works just as well.
CREDIT SCORE EMAIL LIST
All credit score email addresses are 100% Opt-In and 95% deliverable. Money-Back Guarantee.
CREDIT SCORE + LIFESTYLE AND DEMOGRAPHIC DATA
When selecting a consumer list by credit score, we high recommend you further qualify by demographics and lifestyle. Of course a pre-screen credit score mailing list will perform even better if the offer is going to prospects that have a lifestyle and demographic profile similar to your current customers. Along with credit scores, we offer a comprehensive selection of demographics and lifestyle data for pinpointing your ideal prospects: age, income, marital status, net worth, golfer, real estate investor, high home equity, etc.
(Click Here to review ….)
APPEND CREDIT SCORES TO YOUR CUSTOMER DATABASE
Along with credit score data, we can append demographic data, lifestyles and buying behavior. And from this data append we can generate profiles that show your idea buyer … and maybe even some latent markets. In fact you may realize that 80% of your sales are coming from just 20% of the marketplace. In today’s intensely competitive marketplace – deep knowledge of the customer is what separates the market leaders from the laggards. Knowledge is power!
CREDIT SCORE TELEMARKETING LIST
Millions of phone numbers are available with the scored credit data. And all phones have been scrubbed against DNC (Do-Not-Call) files.
ACTUAL CREDIT SCORE
Yes … we can provide you with a credit score mailing list based on actual FICO scores or Beacon scores. Not modeled … but actual verified credit scores! Of course this enhanced credit score list has restrictions. The Fair Credit Reporting Act (FCRA) does NOT allow the release of “credit scores” to any party that lacks a permissible purpose, such as the evaluation of an application for a loan, credit, service, or employment. Call now for more compliance details.
MODELED CREDIT SCORE
Most of our clients use the modeled credit scores because these scores successfully work for most offers! Plus, the modeled credit scores have a much lower price than an actual credit score mailing list.
HOW ARE THE MODELED CREDIT SCORES CALCULATED?
Test after test proves that our credit algorithm offers the most accurate modeled credit scores. The accuracy comes from 25 years of refinement … AND an extensive array of data. First, Experian Credit Scores, Equifax Credit Scores, and TransUnion Credit Scores are collected for all households at the block level. Next, we combine these credit bureau scores with actual mortgage deed data, tax assessor’s data, past buying history, and hundreds of demographic and lifestyle variables from our master consumer database. The end result is a credit score list that closely matches real FICO credit scores. The credit scores range from 450 to 850.
CLICK HERE to request a free email list / mailing list credit score
count with a pricing quote.
Below are other credit financials available with residential lists.
Target Consumers by Credit Scores
<500
500 to 600
600 to 700
700 to 800
800+
CLICK HERE for an overview of marketing applications based on consumer credit.
Total balance for active accounts
$0
$1 – $999
$1,000 – $2,999
$3,000 – $4,999
$5,000 – $6,999
$7,000 – $9,999
$10,000 – $14,999
$15,000 – $19,999
$20,000+
Total credit limit for active accounts
$0
$1 – $4,999
$5,000 – $9,999
$10,000 – $14,999
$15,000 – $19,999
$20,000 – $29,999
$30,000 – $39,999
$40,000+
# of active accounts with balance >= 75% credit limit
0
0.01 – 0.49
0.50 – 0.99
1.00 – 1.49
1.50 – 1.99
2.00 – 2.99
3.00+
# of active accounts with balance >= 50% credit limit
0
0.01 – 0.49
0.50 – 0.99
1.00 – 1.49
1.50 – 1.99
2.00 – 2.99
3.00 – 3.99
4.00+
# of bank revolving accounts
0
0.01 – 0.49
0.50 – 0.99
1.00 – 1.49
1.50 – 1.99
2.00 – 2.49
2.50 – 2.99
3.00 – 3.99
4.00 – 4.99
5.00 – 5.99
6.00 – 6.99
7.00+
# of department store accounts
0
0.01 – 0.49
0.50 – 0.99
1.00 – 1.49
1.50 – 1.99
2.00 – 2.49
2.50 – 2.99
3.00+
# of sales finance accounts
0
0.001 – 0.249
0.250 – 0.490
0.500 – 0.740
0.750 – 0.990
1.000 – 1.249
1.250+
Total balance for active bank revolving accounts
$0
$1 – $499
$500 – $999
$1,000 – $1,999
$2,000 – $2,999
$3,000 – $3,999
$4,000 – $4,999
$5,000 – $7,499
$7,500+
Total balance for active department store accounts
$0
$1 – $99
$100 – $199
$200 – $299
$300 – $399
$400 – $499
$500 – $999
$1,000 – $1,499
$1,500+
Total balance for active sales finance accounts
$0
$1 – $99
$100 – $249
$250 – $349
$350 – $499
$500 – $799
$800+
Total credit limit for active bank revolving accounts
$0
$1 – $2,499
$2,500 – $4,999
$5,000 – $7,499
$7,500 – $9,999
$10,000 – $14,999
$15,000 – $19,999
$20,000 – $24,999
$25,000 – $29,999
$30,000 – $34,999
$35,000 – $39,999
$40,000+
Time since last activity on bank revolving accounts
0
0.01 – 0.49
0.50 – 0.99
1.00 – 1.49
1.50 – 1.99
2.00 – 3.99
4.00+
# of active bank revolving accounts with balance >= 75% credit limit
0
0.01 – 0.249
0.25 – 0.49
0.50 – 0.74
0.75 – 0.99
1.00 – 1.49
1.5.0 – 1.99
2.00+
# of active bank revolving accounts with balance >= 50% credit limit
0
0.01 – 0.24
0.25 – 0.49
0.50 – 0.74
0.75 – 0.99
1.00 – 1.24
1.25 – 1.49
1.50 – 1.99
2.00+
# of months since most recent activity
0
0.01 – 0.49
0.50 – 0.99
1.00 – 1.49
1.50 – 1.99
2.00 – 3.99
4.00+
# of active mortgage accounts
0
0.01 – 0.49
0.50 – 0.99
1.00 – 1.49
1.50+
Balance for active mortgage accounts
$0
$1 – $24,999
$25,000 – $49,999
$50,000 – $74,999
$75,000 – $99,999
$100,000 – $124,999
$125,000 – $149,999
$150,000 – $174,999
$175,000 – $199,999
$200,000 – $249,999
$250,000 – $299,999
$300,000
High credit for active mortgage accounts
$0
$1 – $24,999
$25,000 – $49,999
$50,000 – $74,999
$75,000 – $99,999
$100,000 – $124,999
$125,000 – $149,999
$150,000 – $174,999
$175,000 – $$199,999
$200,000 – $249,999
$250,000 – $299,999
$300,000
# of inquiries within the last 6 months, except promotional and evaluation
0
0.01 – 0.24
0.25 – 0.49
0.50 – 0.74
0.75 – 0.99
1.00 – 1.24
1.25 – 1.49
1.50+
# of personal finance inquiries for promotional and evaluation purposes in the last 24 months
0
0.01 – 0.24
0.25 – 0.49
0.50 – 0.74
0.75 – 0.99
1.00 – 1.24
1.25 – 1.49
1.50 – 1.74
1.75+
0
0.1 – 0.9
1.0 – 1.9
2.0 – 2.9
3.0 – 3.9
4.0 – 4.9
5.0 – 5.9
6.0 – 6.9
7.0+
# of bank inquiries for promotional purposes only in last 6 months
0
0.1 – 0.4
0.5 – 0.9
1.0 – 1.4
1.5 – 1.9
2.0 – 2.4
2.5 – 2.9
3.0 – 3.4
3.5 – 3.9
4.0+
Age of oldest account (months)
0
1 – 96
97 – 120
121 – 144
145 – 168
169 – 192
193 – 216
217 – 240
241 – 264
265 – 288
289 – 312
313+
# of accounts opened in the last 6 months
0
0.001 – 0.124
0.125 – 0.249
0.250 – 0.374
0.375 – 0.499
0.500 – 0.624
0.625 – 0.749
0.750 – 0.874
0.875 – 0.999
1.00+
# of accounts opened in the last 12 months
0
0.01 – 0.24
0.25 – 0.49
0.50 – 0.74
0.75 – 0.99
1.00 – 1.24
1.25 – 1.49
1.50 – 1.74
1.75 – 1.99
2.00+
# of accounts currently past due
0
0.1 – 0.4
0.5 – 0.9
1.0 – 1.4
1.5 – 1.9
2.0 – 2.4
2.5 – 2.9
3.0 – 3.4
3.5 – 3.9
4.0+
Worst current rating
0
1
2
3
# of accounts ever satisfactory
0
0.1 – 2.4
2.5 – 4.9
5.0 – 7.4
7.5 – 9.9
10.0 – 12.4
12.5 – 14.9
15.0 – 17.4
17.5 – 19.9
20.0+
# of active sales finance accounts
0 – 0.124
0.001 – 0.124
0.125 – 0.249
0.250 – 0.374
0.375 – 0.499
0.500 – 0.624
0.625 – 0.749
0.750 – 0.874
0.875 – 0.999
1.00+
Total credit limit for sales finance accounts
$0
$1 – $499
$500 – $999
$1,000 – $1,499
$1,500 – $1,999
$2,000 – $2,499
$2,500 – $2,999
$3,000 – $3,499
$3,500 – $3,999
$4,000 – $4,499
$4,500+
Age of oldest bank revolving accounts
0
1 – 72
73 – 90
91 – 108
109 – 126
127 – 144
145 – 162
163 – 180
181 – 198
199 – 216
217 – 234
Time since last activity on department store accounts
0
0.001 – 0.124
0.125 – 0.249
0.250 – 0.374
0.375 – 0.499
0.500 – 0.624
0.625 – 0.749
0.750 – 0.874
0.875 – 0.999
1.000 – 1.124
1.125 – 1.249
1.250+
Worst current rating for bank revolving accounts
0
1
2
3
Worst current rating for department store accounts
0
1
2
3
# of bank revolving accounts ever rated satisfactory
0
0.1 – 0.9
1.0 – 1.9
2.0 – 2.9
3.0 – 3.9
4.0 – 4.9
5.0 – 5.9
6.0 – 6.9
7.0 – 7.9
8.0+
# of bank revolving accounts with a balance > 0
0.00
0.01 – 0.24
0.25 – 0.49
0.50 – 0.74
0.75 – 0.99
1.00 – 1.24
1.25 – 1.49
1.50 – 1.74
1.75 – 1.99
2.00 – 2.24
2.25 – 2.49
2.50+
Average # of months opened for bank revolving accounts
0
1 – 48
49 – 60
61 – 72
73 – 84
85 – 96
97 – 108
109 – 120
121 – 132
133 – 144
145 – 156
157+
# of total other retail accounts
0.00
0.01 – 0.24
0.25 – 0.49
0.50 – 0.74
0.75 – 0.99
1.00 – 1.24
1.25 – 1.49
1.50 – 1.74
1.75 – 1.99
2.00+
# of total personal finance accounts
0
0.001 – 0.024
0.025 – 0.049
0.050 – 0.074
0.075 – 0.099
0.100 – 0.124
0.125 – 0.149
0.150 – 0.174
0.175 – 0.199
0.200 – 0.224
0.225 – 0.249
0.250+
# of active credit union accounts
0.00
0.01 – 0.12
0.13 – 0.24
0.25 – 0.37
0.38 – 0.49
0.50 – 0.62
0.63 – 0.74
0.75 – 0.87
0.88 – 0.99
1.00 – 1.12
1.13 – 1.24
1.25+
# of bank installment accounts ever rated satisfactory
0
0.01 – 0.24
0.25 – 0.49
0.50 – 0.74
0.75 – 0.99
1.00 – 1.24
1.25 – 1.49
1.50 – 1.74
1.75 – 1.99
2.00 – 2.24
2.25 – 2.49
2.50+
# of credit union accounts ever rated satisfactory
0
0.01 – 0.24
0.25 – 0.49
0.50 – 0.74
0.75 – 0.99
1.00 – 1.24
1.25 – 1.49
1.50 – 1.74
1.75 – 1.99
2.00 – 2.24
2.25 – 2.49
2.50+
% of balance to credit limit for active accounts
0.0%
0.1 – 12.4%
12.5 – 24.9%
25.0 – 37.4%
37.5 – 49.9%
50.0 – 62.4%
62.5 – 74.9%
75.0 – 87.4%
87.5 – 99.9%
100%+
% of balance to credit limit for active bank revolving accounts
0.0%
0.1 – 5.0%
5.1 – 10.0%
10.1 – 15.0%
15.1 – 20.0%
20.1 – 25.0%
25.1 – 30.0%
30.1 – 35.0%
35.1 – 40.0%
40.1 – 45.0%
45.1 – 50.0%
50.1%+
% satisfactory accounts in the last 24 months to total accounts
0.0%
0.1 – 20.0%
20.1 – 25.0%
25.1 – 30.0%
30.1 – 35.0%
35.1 – 40.0%
40.1 – 45.0%
45.1 – 50.0%
50.1 – 55.0%
55.1 – 60.0%
60.1 – 65.0%
65.1+
# of accounts ever 60 days past due or worse
0
0.01 – 0.24
0.25 – 0.49
0.50 – 0.74
0.75 – 0.99
1.00 – 1.24
1.25 – 1.49
1.50 – 1.74
1.75 – 1.99
2.00 – 2.24
2.25 – 2.49
2.50+
% of active department store to total department store accounts
0.0%
0.1 – 40.0%
40.1 – 45.0%
45.1 – 50.0%
50.1 – 55.0%
55.1 – 60.0%
60.1 – 65.0%
65.1 – 70.0%
70.1 – 75.0%
75.1 – 80.0%
80.1 – 85.0%
85.1%+
# of months open for bank revolving accounts
0
1 – 90
91 – 180
181 – 270
271 – 360
361 – 450
451 – 540
541 – 630
631 – 720
721 – 810
811 – 900
901+
# of months open for department store accounts
0
1 – 48
49 – 96
97 – 144
145 – 192
193 – 240
241 – 288
289 – 336
337 – 384
385 – 432
433 – 480
481+
% of active department store accounts to total active accounts
0.0%
0.1 – 2.4%
2.5 – 4.9%
5.0 – 7.4%
7.5 – 9.9%
10.0 – 12.4%
12.5 – 14.9%
15.0 – 17.4%
17.5 – 19.9%
20.0 – 22.4%
22.5 – 24.9%
25.0+%
% of accounts opened in the last 24 months to total active accounts
0.0%
0.1 – 5.0%
5.1 – 10.0%
10.1 – 15.0%
15.1 – 20.0%
20.1 – 25.0%
25.1 – 30.0%
30.1 – 35.0%
35.1 – 40.0%
40.1 – 45.0%
45.1 – 50.0%
50.1 – 55.0%
55.1+%
# of collections
0
0.01 – 0.49
0.50 – 0.74
0.75 – 0.99
1.00 – 1.24
1.25 – 1.49
1.50 – 1.74
1.75 – 1.99
2.00 – 2.24
2.25 – 2.49
2.50 – 2.74
2.75+
Presence of a bankruptcy
0
0.001 – 0.050
0.051 – 0.100
0.101 – 0.150
0.151 – 0.200
0.201 – 0.250
0.251 – 0.300
0.301 – 0.350
0.351 – 0.400
0.401 – 0.450
0.451 – 0.500
0.501+
# of accounts ever 90-120 days
0.00
0.01 – 0.12
0.13 – 0.25
0.26 – 0.37
0.38 – 0.50
0.51+
# of months since most recent inquiry, except promotional and evaluation
0
1 – 2
3 – 4
5 – 6
7 – 8
9 – 10
11 – 12
13 – 14
15+
# of inquiries for promotional purposes only in last 6 months
0
1
2
3
4
5
6
7
8
9
10
11+
# of department store accounts ever 90-120 days past due
0
0.01 – 0.10
0.11+
# of total automotive finance accounts
0
0.01 – 0.12
0.13 – 0.25
0.26 – 0.37
0.38 – 0.50
0.51 – 0.62
0.63 – 0.75
0.76 – 0.87
0.88 – 1.00
1.01 – 1.12
1.13 – 1.25
1.26+
# of active bank installment accounts
0
0.01 – 0.12
0.13 – 0.25
0.26 – 0.37
0.38 – 0.50
0.51 – 0.62
0.63 – 0.75
0.76 – 0.87
0.88 – 1.00
1.01+
% of active bank revolving to total bank revolving accounts
0.0%
0.1 – 12.0%
12.1 – 25.0%
25.1 – 37.0%
37.1 – 50.0%
50.1 – 62.0%
62.1 – 75.0%
75.1 – 87.0%
87.1 – 99.0%
99.1%+
% of active bank revolving accounts to total active accounts
0.0%
0.1 – 12.0%
12.1 – 25.0%
25.1 – 37.0%
37.1 – 50.0%
50.1 – 62.0%
62.1 – 75.0%
75.1 – 87.0%
87.1 – 99.0%
99.1+%
