PRESCREENED TRIGGER DATA

  • Campaign Scope

    This data is generated when a prospect has their credit pulled for a product. This data includes credit information provided by the credit bureau(s) and requires approval before purchasing, as well as compliance with FOC guidelines.

    See Recommendations

  • Data Recommendations

    See what recommendations we offer for marketing towards prescreened 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.

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  • 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 Trigger data. This data is generated when a prospect has their credit pulled for a 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 high mailing frequency with Prescreened Trigger data. The trigger of a credit pull makes it time-sensitive, so speed is of the essence. If volume and budget permits, FGS recommends dropping daily mailings.

  • FGS recommends First Class Mail for Prescreened 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 Prescreened Trigger data to help minimize cost and stand out from other commercial mailings. Regardless of the type of mailpiece a Firm Offer of Credit is required for all prescreened data.

    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 trigger data we recommend Per Individual. Since it is based on credit pulls, this will allow you to receive multiple individuals in the household who have had their credit pulled.

  • 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. With trigger data we highly recommend suppressing credit pulls so that you don’t buy the leads you’re pulling credit for.

  • For 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 have their credit pulled again, indicating they are still in the market.

  • 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

  • 0-30

    • Auto

    • Credit Card

    • HELOC

    • Mortgage

    • Personal Lending

  • 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