Intelligently deploy your marketing dollars

In the Market Models℠ helps you identify consumers who will be in the market for a specific type of credit product within the next one to four months, allowing for proactive campaign planning, increased conversion rates and a greater return on marketing investment.

Maximize your marketing ROI

Increase profitability

Refine segmentation strategies and tailor offers to achieve higher open and conversion rates.

Gain predictive insights

Leverage advanced analytics, trended data and industry-leading credit attributes.  

Enhance efficiency

Only target your marketing spend at consumers who are likely to open your offers of credit. 

Optimize your marketing strategies

Find the consumers most likely to respond to your offers


Industry-specific models are available for the following account types:

  • Auto loan and lease 
  • Bankcard 
  • Home equity 
  • Mortgage 
  • Personal loan and loan consolidation 
  • Retail 
  • Student loan 


Enhance your strategies across the customer lifecycle

  • Prospecting — Increase response rates and reduce marketing campaign costs by using In the Market Models within your prescreen criteria. 
  • Cross-sell — Maximize existing customer relationships by understanding customer needs and designing relevant and timely cross-sell offers.  
  • Retention — Secure refinancing or second-offer opportunities by identifying which consumers within your existing portfolio will be in the market for a new credit product. 
  • Market expansion — Successfully grow into new territories and launch new products by determining the ideal consumer for your offer. 

Confidently target your ideal customers

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