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The Birds of a Feather - Low Income Credit Consumers file consists of low income and subprime consumers are perfect for catalogers that lead with credit offers, prepaid and subprime credit cards, credit repair, payday loans, direct to consumer insurance offers and retail offers, to name a few. Since the file was developed using aggregated credit statistics defined at the zip+4 level, (approx. 4-10 households) pre-approval is not required. The lists have been segmented at the individual level according to age, income, presence of children, homeowner/renter, shopping habits and shopping channel. This file is GLB compliant. Segments include:
MULTI-FINANCE LOAN CONSUMERS
Universe: 2,218,126 Monthly Hotline: 201,446
Individuals on this list have a lower credit score index and the highest propensity for multiple finance loans. They also tend to have more difficulty obtaining credit in the traditional way. Average Age: 45. Average Income $35,000.
LATE BILL PAYERS
Universe: 2,948,246 Monthly Hotline: 257,309
These consumers live in areas with the highest percentage of late bill payers and are likely to be behind with their credit cards, auto loans, insurance, as well as with mortgage payments. Average Age: 48. Average Income: $39,000.
NOT ENOUGH CREDIT
Universe: 2,295,519 Monthly Hotline: 198,437
These individuals have low credit limits and lower income opportunities, they generally have a hard time obtaining credit.
Average Age: 39. Average Income: $30,000.
REBUILDING CREDIT
Universe: 1,842,529 Monthly Hotline: 163,999
This list consists of individuals living in areas with the highest levels of bankruptcies.
Average Age: 44. Average Income: $42,000.
Source: Aggregated Credit Data Combined with Survey, Online and Transactional Information
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