Except for credit institutions, Federal regulations do NOT allow access to individual credit records. Thus, have suspicion of data suppliers that advertise individual credit data.
Since individual credit data is not permitted, the major credit bureaus have provided DMDatabases.com with “block level credit data.” This means you can target blocks based on average credit score per block; a block typically represents 10 households. This block level credit database has a distribution almost identical to that of the U.S. population.
CLICK HERE for an overview of marketing applications based on consumer credit.
Below are an array of credit variables that describe credit seeking, credit usage, credit diversity and credit behavior.
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+
# of bank inquiries for promotional and evaluation purposes in last 6 months
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+%
