Debt Consolidation Consumers Mailing List

Customers seeking debt consolidation typically have moderate to high debt-to-income ratios, fair to good credit scores, and are often concentrated in the Gen X and Millennial age groups. Many are homeowners who may use a home equity loan for consolidation, while married couples often seek joint consolidation to manage their finances.  Financial profile Credit score: Customers with fair to good credit scores (roughly 620 to 739) are the primary market for standard debt consolidation loans. Those with excellent credit (740+) can qualify for the lowest interest rates, while those with lower credit scores may face significantly higher rates. Debt-to-income (DTI) ratio: Most applicants have a DTI ratio that is high enough to signal financial strain, but not so high that they are uninsurable. Many lenders prefer a DTI ratio below 50%, with higher ratios potentially leading to a denial. Income and employment: A stable and verifiable income is crucial for demonstrating the ability to repay a new loan. Lenders typically prefer to see a consistent employment history, often at least two years. Life stage and age Age: Gen X (ages 45–60) and Millennials (ages 29–44) are the age groups most likely to carry a credit card balance from month to month and pursue debt consolidation. These generations often juggle a variety of debts, including student loans and credit cards. Family status: Married couples are frequent users of debt consolidation, especially if they have joint debts or shared financial goals. Households with children are also more likely to carry debt.

SEGMENTS COUNTS THROUGH 10/12/2025
1,325,876 TOTAL UNIVERSE / BASE RATE $95.00/M
 1,325,876 AGE 29-60/0-12 MONTH     $95.00/M
 109,754 AGE 29-60/MONTHLY HL     $15.00/M
DESCRIPTION

This list was curated by our group of data experts with various data backgrounds spanning over 35 years.   Our experts begin by analyzing consumers who self-reported their intent to purchase a specific product, their purchasing history regarding specific products, and their preferred channel as compared to those that did not.  The resulting algorithm is applied to a dataset of only known buyers and responders.  These filters will always generate a higher-than-average response rate in any channel. The study data sets were augmented with demographic, lifestyle, interest, behavioral, financial, recency, frequency, monetary, and other transactional data, then modeled to create this responsive specific audience of intenders.  There are over 3,000 data sources that contribute information to this unique solution.

 

 
ORDERING INSTRUCTIONS
MARKET: CONSUMER
CHANNELS: Mailing List Email List Telephone List  
SOURCE: GIFT BUYERS, SINGLE BUYERS, BUYERS, CATALOG, DIRECT RESPONSE, CREDIT CARDS, DIRECT MAIL SOLD, INTERNET/ON-LINE, CONTINUITY/CLUB/BUYER, LIFESTYLE QUESTIONNAIRE, MULTI-BUYERS, MULTI SOURCED, CASH BUYERS, RETAIL/POP, AGENT SOLD, OPT-IN E-MAIL 
PRIVACY: UNKNOWN 
DMA?: NO
STATUS: STANDARD PROVIDER
GEO: USA 
GENDER: 57% FEMALE 43% MALE  
SELECTS
100'S AVAILABLE   
DISCRETIONARY SPENDING INCOME   
DWELLING TYPE   
ETHNICITY   
EXACT AGE (YYMM BORN)   
GEOGRAPHY OR RADIUS   
HOME VALUE   
HOMEOWNER/RENTER   
LENGTH OF RESIDENCE   
MARITAL STATUS   
NARROW INCOME   
NET WORTH   
RECENCY   
SPANISH SPEAKING (LANGUAGE)   
TRANSACTIONAL DATA   
WEALTH (INVESTIBLE ASSETS)   
ADDRESSING
KEY CODING  $0.00/F
COUNTY FIPS & COUNTY NAME  
FILE DOWNLOAD  $25.00/F
FTP  $25.00/F
RADIUS