Consumer Information Services

Products and Solutions for Prospecting

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Prospecting Solutions

Select a prospecting solution to view more information:

  • Instant Prescreen - Instant Preapproved Credit Offers
  • Instant Prescreen is an online, real time prescreen program that allows clients to automatically preapprove the consumer for credit products at the point-of-contact (POC).

    Instant Prescreen can be used to preapprove prospects for a wide range of credit products, including, but not limited to: credit cards (bankcards or proprietary credit cards), auto loans, personal lines of credit, checking account overdraft protection, secured cards, and enhanced debit cards with associated MasterCard or Visa logo.

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  • iScreen - Credit Prescreening Tool (Online Self-Service)
  • iScreenSM is a Web-based, self-service, prescreen list fulfillment tool that enables small-to mid-tiered credit grantors (e.g., credit unions and regional banks) to order prescreened names through Experian's eSolutions.

    Clients can then order names from Experian's prospect database, which is a copy of our Extract file, or they can always screen or suppress their own client-supplied lists. Clients can also get counts of creditworthy prospects within seconds.

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  • Prescreen - Credit Prescreening
  • Prescreen is a list selection process that allows credit grantors to match a list of names, either customer-supplied or from Extract, against the Experian Consumer Credit Services System. This selection process is used to prequalify consumers for unconditional offers of credit based on the consumers' credit characteristics.

    Using Prescreen helps credit grantors reduce the overall cost of direct mail solicitations by eliminating unqualified prospects, reducing high-risk accounts, and targeting the best prospects more effectively before a mailing.

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  • Prospect Navigator - Shared Prospect Database Access Through Campaign Management Tools
  • A shared prospect database solution that provides accurate consumer data, integrated processes and powerful tools for end-to-end campaign management on a client's desktop. Increase ROI and enjoy the benefits of the most robust and up-to-date, shared prospect database without the large capital outlay and lengthy time-to-benefit associated with traditional database solutions.

    With Prospect Navigator clients can target new customers from your desktop more efficiently and reduce costs per new account by eliminating the need for you to store data with multiple sources, integrate multiple vendors and purchase costly data feeds.

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Income Verification

  • Debt-to-Income Insight - Income Verification(Debt-to-Income Ratio)
  • Debt-to-Income InsightSM is a model designed to estimate a borrower's outstanding debt obligations as a percentage of their estimated income. The model leverages the predictive power of Income InsightSM, Experian's premier income estimation model, and market-leading Premier AttributesSM to provide an all-in-one assessment of a borrower's capacity to take on additional debt.

    Debt-to-Income Insight is meant to be a companion product to Income Insight. It is an "add on" service and may only be purchased along with Income Insight. Debt-to-Income Insight's approved uses are the same as Income Insight, and it cannot be used for adverse action.

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  • Income Insight and Income Insight W2 - Income Verification(Income Estimation Models)
  • Income InsightSM and Income Insight W2SM are models designed to estimate a consumer's income. Income Insight provides a comprehensive measurement of total income offering a complete financial picture of a borrower for greater insight into their ability to meet their obligations.

    Income Insight W2 estimates the wage income of a consumer which is especially applicable for low to mid-range income levels where income is comprised mostly from wages. Both models were built using verified income data and are calculated using exclusively credit bureau attributes. In all cases, the models are not to be used as a basis of adverse action.

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