Our master 'sub prime' is renowned as one of the highest performing marketing lists available to any business that is marketing financial products to UK consumers.
Using the latest CC credit scoring systems allows you to confidently target consumers currently experiencing problems with debt or obtaining further credit. This database continually proves itself to perform for all manner of financial products including secured/ unsecured loans, debt management and property buy-back schemes. With factual overlays of length of residency you can rest assured that the consumer will even have the LTV to accommodate your finance solution.
Using our fantastic processes for data cleansing will leave you safe in the knowledge you are contacting the person most likely to want/need your product or service.
Targets Located developed our simple to describe consumer credit scoring system, rating our entire database in a system of 1 to 5. A detailed breakdown of the type of consumer held in this database is below:
High net worth individuals with assets and liquid funds available for savings and shareholdings. Typically older (including empty nester) professionals and business owners; users of sophisticated savings and investment vehicles including offshore accounts and significant property portfolios.
Credit worthy achievers in secure employment or self-employed, upwardly mobile who investigate mortgage switching and savings. Credit users on zero percent deals and full balance payers. This segment contains a mix of ABC1 families and some empty nesters, with above average levels of disposable income and lower mortgage balances and credit commitments.
The 'Spend & Earners' looking to get to a stable bank balance and maybe repair previous minor credit issues; financially savvy yet using credit every day. Relatively affluent households, often with children; lower levels of disposable income and although stretched financially; show low levels of defaults, bankruptcies, voluntary agreements etc.
Have overstretched themselves in the past and may have difficulty with outgoings, previous bills and financial arrangements. Tendency to use all credit available to them; would consider debt consolidation if the package was right. This category incorporates many credit card 'revolvers' and prospects for consolidation loans offers.
Financially challenged and in need of help; willing to agree higher rates of interest to be accepted for credit and debt consolidation; higher predominance of multiple CCJs. At the lower end of this segment there is a considerable proportion of individuals without bank accounts and very few with any form of savings or investments; contains many within the DE social grades and large concentration within ethnic and immigrant communities. A segment that is currently not served by many traditional financial services providers and may represent a significant risk- based marketing opportunity.