PRESCREENED NON-TRIGGER DATA

  • Campaign Scope

    This data is provided by the credit bureau(s) and requires approval before purchasing, as well as compliance with FOC guidelines. It does include credit data but prospects are not necessarily in the market for your product.

    See Recommendations

  • Data Recommendations

    See what recommendations we offer for marketing towards prescreened non-trigger data, including: settings, common criteria, common outputs.

    See Recommendations

  • Frequently Asked Questions

    Take a look at our most commonly asked questions and answers.

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  • Billing Terms

    Learn about our billing term options extended to Client.

    See the Terms

  • ROI Calculator

    Use our ROI Calculator to manage your marketing campaign.

    Crunch the Numbers

  • What Service Package is Best for You?

    Take our survey to determine which of our service packages best suits your needs.

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  • Firm Offer of Credit Basics

    A Firm Offer of Credit (“FOC”) is required for any offer that includes information provided by the credit bureau, also known as Prescreened data.

    Learn More

  • Vantage or FICO

    See the difference between the Vantage and FICO models to help determine which you want to use.

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  • Duplicate Detection

    Read about different options for avoiding duplicates in your data.

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These recommendations are provided for Client’s campaigns using Prescreened Non-Trigger data. This data is provided by the credit bureau(s) and requires approval before purchasing, as well as compliance with FOC guidelines. It does include credit data but prospects are not necessarily in the market for your product.

CAMPAIGN SCOPE

  • FGS recommends a lower mailing frequency with Prescreened Non-Trigger data. As it is not time-sensitive, mailing less often helps to reduce overall expenditure for Client. Weekly drops are advised, though some cases may warrant an even lower frequency.

  • FGS recommends Standard mail class, also known as Marketing Mail, for Prescreened Non-Trigger Data due to its low postage cost. Additional postage savings may be leveraged if Client mails a large volume at once or targets certain geographic locations at the Carrier Route level. Learn more about mailing Standard.

  • FGS recommends a few mailpieces for Prescreened, Non-Trigger data to help minimize cost and stand out from other commercial mailings.

    1) Double Window Envelope: Double window envelopes are our standard mailpiece and have proven success. FGS recommends using minimal print on the envelope and a compelling, official message in the return window.

    2) Postcards: Postcards are a great low-cost mailing option for starting a campaign as it keeps initial costs down.

DATA RECOMMENDATIONS

Below are our recommendations for this type of data. *Some fields have additional cost, as indicated by asterisk.

Campaign-Wide Settings

    • Per Individual

    • Per Household

    • Per Address

    For non-trigger data we recommend Per Household. Because there is no indicator of intent, this minimizes the number of records purchased (only one per household).

  • Bureau selection is based on availability. We highly recommend Equifax being in last position because it has a greater lead cost than other bureaus.

    • (1) TransUnion

    • (2) Experian

    • (3) Equifax

  • We usually recommend suppressing credit pulls/applications and Do Not Contact lists

  • For non-trigger data we usually recommend suppressing previous orders for 60-90 days (based on preference) to allow time for contacts to respond before resoliciting

  • We advise excluding leads with delinquency indicators that would keep them from being approved. While this will vary by lender, below are some of the most common:

    • Consumer has ever had a bankruptcy filed: No

    • Consumer has ever had a real estate foreclosure: No

    • # of Mortgage Trades 30 days past due in past 12 months: 0 to 0

    • # of Mortgage Trades 60 days past due within 12 months: 0 to 0

    • # of Mortgage Trades 90 days or more past due within 12 months: 0 to 0

Common Criteria

    • State

    • County

    • City

    • Zip Code

    • Metro Area

    • Radius Select

  • 350-850 (See Vantage or FICO)

  • 0-99,999,999

    • VA

    • FHA

    • Conv

    • Unknown

  • 0-999

  • 0-99,999,999

  • 0-999

  • 0-99,999,999

    • N/A

    • Yes

    • No

    • N/A

    • Yes

    • No

Common Outputs

  • First, Last

  • Address, City, St, Zip

  • County name

    • TU

    • EQ

    • EX

  • 350-850

    • VA

    • Conventional

    • FHA

    • Unknown

  • Current recorded loan amount

  • Estimated AVM Value

  • Estimated Loan-to-Value expressed as a percentage

  • Age of Mortgage in months

  • Total Current Revolving Debt

  • Current lender of borrower

  • Primarily landline phones

  • Email address