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CreditStyles Pro

Use CreditStyles Pro to differentiate households based on their estimated credit behavior, availability, needs, and usage. With CreditStyles Pro, marketers, analysts, and lenders can gain critical insight on credit use across the customer lifecycle.
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Better Understand Household Credit Behaviors

CreditStyles Pro offers a suite of measures based on aggregated credit data, enabling marketers, analysts, and lenders to differentiate households based on their likely credit availability, needs, and usage. 

With CreditStyles Pro, companies can assess estimated household credit using Detailed Credit Variables, Risk Scores, Intent Indicators, and Aggregated FICO® Scores. These measures offer a cost-efficient way to leverage predictive credit and economic data for enhanced segmentation. 

CreditStyles Pro is best for customer and prospect analysis and to identify target segments based on consumers' expected credit behaviors. It helps provide insight into all types of credit usage, including bank cards, retail cards, consumer finance, and various mortgage type loans.

Understand Household Credit Behaviors
Gain insight on consumer behaviors across the customer lifecycle based on estimated credit availability, needs, and usage.
Enhance Invitation to Apply (ITA)
Segment and target households likely to have a specific credit need via criteria and event-based indicators.
Gain a Household View of Credit
Better represents households' credit usage by de-duplicating individuals on joint and shared accounts.
Designed for Marketing Applications
Segment audiences using industry-accepted credit risk assessment measures, aggregated for marketing applications.
Use Across Customer Lifecycle
Enhance non-FCRA applications including prospecting, targeting, and modeling.
Easy to Incorporate
Updated quarterly to ensure timely data and accessible via cloud or DaaS environments to append to customer or prospect files.
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An AltFi could use CreditStyles Pro and other measures to achieve over 15% lift in response rates for future ITA campaigns.

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An OEM used CreditStyles Pro Auto In-market Indicator and other measures to fuel email campaign and beat KPI goal by 74%.

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One firm used Aggregated FICO® Scores and other economic insights to cut ITA audience 30% and achieve same or better response.

Equifax analytics and case studies. Results may vary.

Apply CreditStyles Pro to Your Campaigns

Discover the likely credit needs of your prospects and customers. Use CreditStyles Pro to fine-tune your campaign audiences, improve targeting for Invitation to Apply campaigns, and segment audiences before Prescreen. 

Capture consumers seeking new credit

Explore how to use CreditStyles Pro and other measures to reach consumers who are most likely to open new credit accounts. Fuel Prescreen, ITA, and digital targeting with solutions to boost acquisition, improve open rates, and maintain share.

Enhance auto email acquisition

Discover how an auto manufacturer and its agency used CreditStyles Pro Auto In-market Indicators and other measures to fuel its email acquisition campaigns — and generate incremental vehicle sales and beat the stated KPI goal by up to 74%.

A Fresh View of Credit Usage at the Household Level

Households are continuously changing their financial and economic decision criteria to support their lifestyles and credit behavior. That’s why having an understanding of households’ use of credit is more important than ever before.

 

With CreditStyles Pro, you can gain critical insight on credit use to differentiate households through a suite of measures that can be used alone or combined for advanced analytics:

  • Detailed Credit Variables
  • Risk Scores
  • Intent Indicators
  • Aggregated FICO® Scores

Enhance Lending ITA

CreditStyles Pro can be used by lenders to enhance Invitation to Apply (ITA) targeting or to segment audiences before Prescreen. Gain insight on households’ likely credit behaviors to reach the right audiences for credit card, auto, personal finance, mortgage, and other offers.

Reach the Right Auto Prospects

CreditStyles Pro Intent Indicators can help auto dealers and brands reach households that are likely to purchase a new automobile and in need of financing. Using these indicators to inform prospecting campaigns can help narrow target lists and improve response rates.

Enhance Digital Targeting

CreditStyles Pro measures have been integrated into many credit-focused Digital Targeting Segments. Use these segments to fine-tune targeting for online campaigns and reach audiences likely to have the right credit behaviors for your offers.

Credit is Just One Part of the Wallet

How well do you know your customers and prospects? Credit is just one part of the household wallet. To gain a more complete view, discover our Economic Insights Suite. Get the full picture of your target audience — including household affluence, estimated income, spending, credit, and financial durability, plus a view of consumer attitudes, preferences, behaviors, lifestyle, and demographics.
Explore Economic Insights

Frequently Asked Questions

CreditStyles Pro is a suite of tools that helps marketers, analysts, and lenders understand households' credit usage by differentiating them based on their likely credit availability, needs, and usage. CreditStyles Pro measures are based on aggregated data and are not subject to FCRA regulations. Thus they offer a cost-efficient way to leverage predictive credit and economic data for enhanced segmentation.

All CreditStyles Pro metrics are updated quarterly, which is more frequent than standard aggregated credit metrics which are typically updated only once per year.

CreditStyles Pro includes:

  • Detailed Credit Variables offer a variety of metrics for marketing and modeling, including averages, estimated percent of household use, and percent of households with a certain credit behavior. With these metrics, analysts can gain insight on if a household can afford a new lending product — or how active they are in shopping for and opening new credit lines.
  • Risk Scores help predict households’ likely future credit behavior based on previous behavior as well as compared to credit files. These scores can help analysts answer questions such as how likely a household is to file for bankruptcy or present a serious credit risk.
  • Intent Indicators offer indexed measures that identify households’ likely propensity to acquire new credit or to inquire or respond about a new line of credit. For example, how likely is a household to open an auto or personal finance loan.  
  • Aggregated FICO® Scores offers an aggregated, modeled form of FICO® Scores to enhance marketing applications for non-FCRA applications. These scores can help determine if a credit borrower is likely to become a liability in the near future.

Aggregated FICO® Scores are an aggregated, modeled form of FICO® Scores designed for marketing applications. The aggregated FICO® Scores in CreditStyles Pro can be used for non-FCRA applications.

CreditStyles Pro variables are built based on anonymous individual credit information that is de-duplicated for joint and shared account information. This provides more accurate estimates of credit usage at the household level, unlike standard aggregated measures that can overestimate credit use due to a lack of de-duplication for shared accounts.

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

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Use CreditStyles Pro along with our other Economic Insights solutions to gain a more complete picture of your prospects and customers. 
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