Consumers’ credit and debt patterns are changing. Households have adopted new financial and economic decision criteria to determine their lifestyles and credit behavior. For example, consumer credit gets used, yet consumer discretionary spending is down across many categories.
So how can you really understand what your target customers can afford?
CreditStyles Pro offers a suite of tools based on aggregated credit data. It enables marketers and analysts to differentiate households based on their likely credit availability, needs, and usage.
Key benefits include:
Better understand consumer behaviors across the customer lifecycle based on estimated credit availability, needs, and usage
Assess credit by Detailed Credit Variables, Risk Scores, Intent Indicators, and Aggregated FICO Scores (the same industry accepted credit risk assessment measure now available in an aggregated form for marketing applications)
Better represents households’ credit usage by de-duplicating individuals on joint and shared accounts
Developed for use in non-FCRA applications including prospecting, targeting and modeling
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