CREDIT SCORE MAILING LIST SELECTIONS
SCORED CREDIT MAILING LIST CRITERIA
Here are some common credit data selections for building a credit score direct mail list, credit score telemarketing list, and/or a credit score email list.
COMMON SELECTS FOR AUTOMOTIVE CREDIT SCORE LISTS
Auto loan – number of open status trades
Lease – highest balance
Lease – number of open status trades
Lease – age of most recent trade
Auto loan – highest balance
Auto loan – age of most recent trade
Auto Loan – aggregate balance for open trades
Months remaining on vehicle trades
Balance to credit ratio on vehicle trades
Number of open vehicle trades
Number of vehicle trades
Age of most recent auto trade
High balance of vehicle trades
Monthly payment on most recent vehicle trade
Auto loan – monthly payment amount on oldest tradeline
Automotive Subprime Loan
Paid thru ratio on open trades
Age of most recent auto loan inquiry
Estimated auto loan rate
Age of most recently closed auto trade
COMMON SELECTS FOR MORTGAGE CREDIT SCORE LISTS
Home equity – aggregate balance for open trades
Mortgage – aggregate balance for open trades
Mortgage – age of most recent trade
Mortgage – number of open status trades
Mortgage – number of 30+ DPD occurrences within 12 months
Mortgage – number of 30+ DPD occurances within the last 13 to 24 months
Mortgage – number of 60+ DPD occurrences within 12 months
Mortgage – number of 60+ DPD occurances within the last 13 to 24 months
Mortgage – number of 90+ DPD occurrences within 12 months
Mortgage – worst status ever on open trades
Mortgage – worst current status on open trades
Difference in days between most recent Inquiry dates
Mortgage lender name flag
Home equity lender name flag
Ghost mortgage flag
Estimated Market Value
Purchase Price
Purchase Date
Year Home Built
Dwelling Units
Property Type Detail:
Residential
Commercial
Agricultural
Government
Other/Unknown
Mortgage loan type:
FHA Conventional
VA Construction
Fannie Mae/Freddie Mac
Balloon
Farmers Home Association
Negative Amortization
Reverse Mortgage
Other/Unknown
Home Value Trends:
Significant Increase
Moderate Increase
Stable
Moderate Decline
Significant Decline
Product Selects:
Deep Subprime
Subprime
Near Prime
Prime
High Prime
Mortgage rate type:
Fixed
Variable
Mortgage rate
Month of mortgage date
Year of mortgage date
Combined loan to value
Mortgage – highest monthly payment
Combined Balance – Mortgage and HELOC:
Home equity – aggregate balance for open trades
Mortgage – aggregate balance for open trades
COMMON SELECTS FOR CREDIT CARD SCORE LISTS
Revolving – number of satisfactory trades
Revolving – aggregate monthly payment for balances greater than 0
FICO risk score
Revolving – aggregate balance for open trades
All trades – age of oldest trade
Installment debt
Bank card debt
Combined Debt
Number of open mortgages
All trades – highest credit amount for open status trades
All trades – highest credit amount of trades paid satisfactorily within 12 months
All trades – age of oldest trade
Student loan – number of open trades
Revolving trades – aggregate balance for open trades
Revolving trades – aggregate credit for open trades
Revolving trades – aggregate balance to credit ratio for open trades
Ratio of satisfactory to open trades
All trades – number of trades
All trades – number of satisfactory trades
Bank card – aggregate balance for open trades
Combined Debt … For Following:
Auto loan – aggregate balance for open trades
Installment – aggregate balance for open trades
Home equity – aggregate balance for open trades
Revolving – retail and bank card trades
COMMON SELECTS FOR DEROGATORY CREDIT SCREENING
Number of repossessions
Months since most recent repossession
Number of bankruptcies
Months since most recent discharged bankruptcy
Months since most recent discharged Chapter 7 bankruptcy
Months since most recent discharged Chapter 13 bankruptcy
Months since most recent bankruptcy
Currently derog – currently 30+ DPD
Historical derog – 30+ DPD ever
Historical derog – 90+ DPD in the last 12 months
Number of past due child support trades
Historical derog – number of debt counseling trades
Bankcard derog – number of trades 30 DPD within 6 months
Bankcard derog – number of trades 30 DPD within 12 months
Retail derog – number of trades 30 DPD within 6 months
Retail derog – number of trades 30 DPD within 12 months
Bank card – worst current delinquent status on open trades
Retail – worst current delinquent status on open trades
Installment – worst current delinquent status on open trades
Auto – worst current delinquent status on open trades