If you are looking for modeled credit score prospect lists, then consider our ConsumerView Profitability Score list overlay. At its’ most basic, it helps identify households likely to pay their debts. Most importantly, it ranks households by profitability, allowing marketers to target the best prospects.

Our modeled credit score lists help you target prospects by:

  • Profitability
  • Approval Rates
  • Response Rates

The scores align very closely to bonafide Credit Scoring. Best of all, with this file – no pre-approval is needed! These lists are often used for Invitation to Apply offers.

The ConsumerView Profitability Score combines a robust scoring model that offers high levels of refinement for selecting the most profitable prospects combined with our top-notch National Consumer Database. This gives you greater precision in predicting, identifying and targeting prospects at the Household Level.

There are 13 levels, with 3 high profitability levels, providing you with precision targeting of your best prospects – those who will respond and comply with the terms of your Invitation to Apply, credit or continuity program offers. Let’s face it, you want to spend your marketing dollars reaching people who will bring profit to your business and this is the overlay that can pinpoint these households for you.

Remember, the score ranks prospects at a Household Level. This is much more precise than typical modeled credit files that rank at zip+4.

This is a great way for marketers to cut their costs and increase their ROI. This list reduces the risk of generating unprofitable prospects and targets only those households with a high likelihood for success.

Do you want to read about the differences between bonafide credit lists and ITA lists? This article can explain it to you.

Here are the levels, descriptions and score alignment

Level Description Score Alignment
1 High Profitability, High Likelihood to Perform 790-840
2 High Profitability, High Likelihood to Perform 766-789
3 High Profitability, High Likelihood to Perform 741-765
4 Good Profitability, Medium Likelihood to Perform 716-740
5 Good Profitability, Medium Likelihood to Perform 691-715
6 Fair Profitability, Medium Likelihood to Perform 665-690
7 Fair Profitability, Medium Likelihood to Perform 640-664
8 Poor Profitability, Unlikely to Perform 590-639
9 Poor Profitability, Unlikely to Perform 540-589
10 Poor Profitability, Unlikely to Perform 490-539
11 Low Profitability, Unlikely to Perform 440-489
12 Low Profitability, Unlikely to Perform 390-439
13 Low Profitability, Unlikely to Perform 340-389

Need more information? Call the pros at Dataman Group today at (800) 771-3282