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Today's Spending Senior is a list of consumers age 55+, with a household income between $75,000 - $125,000, a credit rating between 750- 900, who has lived in a single family dwelling unit for 11+ years.
According to Bankrate.com, consumers with credit scores above 660 are likely to have an "acceptable" credit reputation. The credit risk is "uncertain" for those with scores between 620 and 660, and a score below 620 indicates "high risk"
They go on to explain, most very good credit scores come in the mid-700s, A score above 720, is even better, and those that score above 750 are much more credit worth. The Today's Spending Seniors is always between 750-900
They not only are credit worthy, they are extremely stable consumers, having lived in a single family dwelling unit for 11+ years, and with discretionary income in the range of $75,000 to $125,000.
These is the ideal audience for appeals that pertain to automobiles, apparel, banking, credit cards, entertainment, travel, investments, property, savings plans, retirement planning, vacations, resorts, upscale foods & wines, college savings plans, donations to causes, fitness, subscriptions, self improvement, home improvements, and so much more! |
