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Credit Modeling for ITA Cloud AI

Credit Modeling for ITA incorporates Equifax Amplify AI and leverages Prescreen lookalike models to reach optimal prospects for Invitation to Apply campaigns.

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Power your ITA Targeting Based on Prescreen Knowledge

With Credit Modeling for ITA, companies can use AI-driven lookalike models to identify consumers that have similar characteristics as successful Prescreen audiences. Use the models to develop optimal ITA prospect lists and reach consumers that are more likely to accept offers for new credit compared to broad prospecting criteria.

Credit Modeling for ITA offers both standard, pre-built ITA lookalike models across many credit categories to enable fast execution, as well as custom models that incorporate your firm’s unique acquisition criteria.

Fuel ITA Targeting
Access ITA lookalike models based on successful Prescreen criteria.
Leverage Successful Prescreen Criteria

Models incorporate non-FCRA aggregated credit and consumer financial insights that mimic successful Prescreen criteria.

Boost ITA Campaign Response

Use lookalike models to reach audiences likely to respond to and accept new credit offers.

Choice of Standard or Custom Models

Access Universal lookalike models to get ITA offers in-market quickly or work with Equifax to develop Custom models.

 

Built with Advanced Modeling

ITA lookalike models are developed using advanced AI, deep analytics, and machine learning techniques for better response.

 

Reach a Broader Audience with ITA

Overcome Prescreen campaign limitations — save budget, reach new audiences, deliver via email and digital, test and adjust.

Get Started with Universal Models

Get your ITA offers in market quickly with pre-built models for cost-effective, quick fulfillment.

Use Pre-built Lookalike Models

ITA audiences that are selected by Credit Modeling for ITA - Universal Models are designed to have similar characteristics as successful Prescreen audiences.
Choose Your Model
Select from a variety of Universal ITA models across auto, bank card, mortgage, and more.
Choose Your Audience
The model rank orders prospects 1-999 by likelihood to respond to ITA offers. Choose your count and geography and trim your list to meet your goals.
Quickly Deliver Your ITA Offer
Refine messaging and creative with segmentation clusters. Then deliver your ITA offer via direct mail or email or via display, social, or mobile ads.

Reach Consumers Likely to Accept Your ITA Offers

With tight marketing budgets, ITA can be an attractive option for acquisition campaigns. ITA is less expensive than Prescreen, enabling companies to more easily reach a broader audience for their offers. Plus, ITA does not require a firm offer of credit nor is subject to FCRA-related regulations, thus allowing for more campaign flexibility.

 

That’s why you need Credit Modeling for ITA. With this solution, you can speed and simplify ITA list selection. Since it uses a foundation of successful Prescreen knowledge to build ITA models, you can be sure you are reaching audiences that are most likely to respond and accept new offers. Choose either standard Universal models or Custom models to reach the right prospects for your ITA campaigns.

 

 

Pre-built Universal Models

Get your ITA offers in-market quickly with Universal models. Leverage pre-built lookalike models across auto, bank card, mortgage, and more.

Custom ITA Models

Use your own Prescreen knowledge to boost your ITA efforts. Work with Equifax to build custom models that can reach consumers with similar characteristics as your Prescreen responders.

Enhance Digital Targeting

Onboard ITA lists from standard or custom Credit Modeling for ITA models to deliver your ITA offers to your desired audience via digital channels. 

Frequently Asked Questions

Universal models offer off-the-shelf, pre-built ITA models that enable quicker fulfillment time for lenders that want to initiate an ITA campaign sooner rather than later. They are more cost-effective than custom models.

A custom model utilizes a lender’s unique Prescreen criteria and customer profile data to inform model development, plus allows for more model refinement capabilities. Custom models also enable clients to reach ITA prospects via the appropriate channel based on past Prescreen responders.

Clients can choose the desired count and geography for their target prospect list. They can also trim their list by defined measures; for example, only target consumers with Income360 Complete (estimated household income) greater than $85,000.

Clients need to provide their firm’s approve/decline criteria and channel propensity of past responders/converters (direct mail, email, digital). Clients can optionally provide additional criteria such as high spenders or high customer value segments.

Strategies to boost your ITA efforts can include:

  • Test sending offers via only email and digital. Evaluate if you can save the expense of direct mail.
  • Use segmentation clusters (Economic Cohorts, Financial Cohorts) to tailor messages and creative to the audience.
  • Leverage our Campaign Insights Dashboard powered by Equifax Ignite to assess ITA campaign results and easily integrate learnings into future campaigns.
     

Related Resources 

eBook

Advance Your Invitation to Apply (ITA) Campaigns

Drive acquisition and customer growth. Discover ways Equifax can help advance your ITA campaigns by targeting the right audience using predictive consumer credit data and consumer financial insights.
Advance Your ITA

Product Sheet
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