CreditStyles Pro® (Demo/Sample)

The CreditStyles Pro® Free Dataset is a sample of 100 rows that represents the full dataset in terms of data types, organization, and fields. Please note that this is not real production data, subscribe to CreditStyles Pro® personalized version to get 100% production data.

CreditStyles Pro® helps businesses gain critical insight on credit use by offering a suite of measures to differentiate households based on their likely credit availability, needs, and usage.

The suite includes detailed credit variables, risk scores and intent indicators. These measures, scores, and variables can be used alone or combined for advanced analytics. Household scores and variables are aggregated to the ZIP+4 level and CreditStyles Pro components can be used throughout the customer lifecycle to enhance prospecting, targeting, and account management.

The data is offered in two packages:

• Basic Package
• Full Package

Categories Included:
Basic Package
Detailed Credit Variables: Estimates of household credit behavior provided at the neighborhood level used to differentiate households based on their likely credit availability, needs, and usage. It enables financial services marketers and analysts to gain insight on all types of credit usage including mortgages, HELOC, HELoans, bank cards, retail cards, student loans, auto loans, and other non-mortgage loans.

Full Package
Risk Scores: CreditStyles Pro offers aggregated Equifax Risk Scores for households within a micro-neighborhood, enabling firms to reduce risk and better target and service their customers and prospects. The risk scores predict households’ likely future credit behavior based on previous behavior as well as compared to credit files that have had similar characteristics under similar conditions. Equifax risk score models typically assign higher scores to consumers who exhibit a likelihood of high, or satisfactory, credit performance and lower scores to consumers who exhibit a likelihood of low, or unsatisfactory performance.
Intent Indicators: Intent Indicators offer indexed measures that identify households’ likely propensity to acquire new credit or to inquire or respond about a new line of credit. The higher the index, the more likely the consumer has a specific credit need. Marketers can use Intent Indicators for both offline ITA marketing and online digital ad display marketing in order to better identify households that are likely seeking a specific credit product. (*Full Package includes the Basic Package)

Use Cases:
Advertising Optimization
Prospect marketing - determine which households are ripe for marketing offers based on their likely usage and need for mortgage, HELOC, HELOAN, bank card, automotive, consumer finance, and other lines of credit
Align messaging and offers - improve messaging and better align the right credit offers to prospects and customers based on their estimated credit usage and needs
Quantitative Analysis Optimize models - enhance existing marketing models using insights into household credit profiles

Disclaimer: The information in this data set is fictitious, should be treated as such, and should be used only for testing purposes. Information in the data set does not represent any known business or consumer.