PRESCREENED PRE-TRIGGER DATA

  • Campaign Scope

    This data is generated from consumer search and browsing history. Signals indicate consumer is searching for a specific type of product, allowing Client to reach consumers early in the decision process.

    See Recommendations

  • Data Recommendations

    See what recommendations we offer for marketing towards prescreened pre-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.

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  • 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.

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  • 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 campaigns using Prescreened Pre-Trigger data. This data is generated from consumer search and browsing history. Signals indicate the consumer is searching for a specific type of product. This data includes credit information provided by the credit bureau(s) and requires approval before purchasing, as well as compliance with FOC guidelines.

CAMPAIGN SCOPE

  • FGS recommends a lower mailing frequency with Prescreened Pre-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 First Class Mail for Prescreened Pre-Trigger Data due to its higher delivery speed. This allows Client’s offer to reach their audience ahead of competitors. Learn more about mailing First Class.

  • FGS recommends a few mailpieces for Non-Prescreened, Pre-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 pre-trigger data we recommend Per Individual. Since it is based on behavior signals, this will allow you to receive multiple individuals exhibiting these signals within the same 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 pre-trigger we’d also recommend suppressing any leads generated online to avoid purchasing the same lead.

  • For pre-trigger data we usually recommend suppressing previous orders for 30-60 days (based on preference). This allows time for contact but also allows you to make another offer if they are still exhibiting in-the-market behaviors.

  • 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

    • Mortgage: Purchase, Refinance, HELOC, Reverse Mortgage, General

    • Insurance: Overall, Auto, Health, Life, General

    • Other: Real Estate, Financial Services, Home Services, Education, Jobs, Auto, Legal

  • 1 - 30

    • VA

    • FHA

    • Conventional

    • Unknown

  • 0-99,999,999

  • 1-150

  • 350-850 (See Vantage or FICO)

Common Outputs

  • First, Last

  • Address, City, St, Zip

  • Current loan amount

  • Estimated AVM value

  • Estimated loan-to-value expressed as percentage

  • Selected category or categories

  • 0+

  • Individual’s score as provided by the credit bureau

  • Current Lender for individual