DELIQUENCY RATE BY CREDIT SCORE
Use Modeled Credit Score Leads If Not In Compliance
TIP 1: A marketer needs to study a risk/benefit analysis when deciding on a FICO credit score direct mail list. A low credit score mailing list may result in too many defaults. However, a high FICO score list will result in too many lost opportunities … potential good paying customers.
TIP 2: Use higher cost creative (classic direct mail package) for the premium high credit score mailing list … and lower cost creative (postcard) for the low credit score