Don’t let your account holders and prospects start looking elsewhere when they’re in the market for a loan. Using our credit trigger programs, like our popular In-the-Market alerts (ITMA solution), you can ensure you’re the one they look to in their moment of need.
We constantly monitor data from all three credit bureaus to help quickly identify and qualify those consumers who are actively shopping for loans from competitors, giving you the advantage to get in front of them with options before they’ve made a final decision.
FEATURES & BENEFITS
Take advantage of data from over 250 million potential customers, the minute a credit trigger event occurs.
We deliver superior results because we aggregate credit data from all three major credit bureaus, which provides a 50% lift over single-bureau competitors
Proved a unique value to your customers by meeting their needs while boosting your profitability, retention, rate, and lifetime customer value
Our clients typically see a 10%-win rate from their mortgage campaigns using In-the-Market Alerts while generating $90 in revenue for every dollar spent
Regardless of your size, Deluxe can help you run a fully managed, event-triggered marketing program using the channels of your choice, including digital and direct mail
Full-service campaign solutions
Rely on expert creative strategy, audience selection, production and deployment, and attribution and performance measurement to ensure your campaigns deliver.LEARN MORE
In-the-Market Alerts work whether you are selling mortgages, HELOC, auto or personal loans, credit cards or insurance and are beneficial for acquisition, retention, or growing within your existing accounts.
Everything we do is built to comply with FCRA regulations. We are experts at working with Compliance teams to get you set up to use our data or get mail pieces approved.
Using more than 400 data attributes, such as FICO© score, loan to value, and outstanding balances, we determine the borrowers’ creditworthiness based on your established pre-qualifying criteria for each loan type and customer segment.
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"In selecting a vendor for trigger data, we were looking for a partner who had more than just the table stakes requirements - competitive pricing, with actionable, good data. From our first call with the Deluxe team, they were extremely knowledgeable, accessible, and helpful. These differentiators are the reason we chose and continue to stay with Deluxe."
VP Consumer Direct Mortgage , United Community Bank
The service we receive is impressive! While there are other companies that provide similar services, the customer service at Deluxe is heads and shoulders above anything we’ve seen in the past.
VP Consumer Direct Marketing , AmeriHome Mortgage
FREQUENTLY ASKED QUESTIONS
By monitoring data from all three credit bureaus, you get access to the largest possible credit universe and not missing out on any potential leads. This data could come in the form of traditional prescreen data or in the form of credit triggers. Using tri-bureau or tri-merge data will provide a significant lift to your prospect or customer universe, giving you an edge over your competition.
Equifax, Experian, and TransUnion are the three main consumer credit reporting bureaus. They collect and store information about consumers to build credit profiles that are sold to companies in specific industries. While each bureau has a large database of credit data, no single provider has close to the full credit universe covered through their data. Getting data from one bureau might mean you are missing out on about 20 percent of the market.
The Fair Credit Reporting Act (FCRA) gives consumers access to their credit report but restricts access to others unless they have a permissible purpose. The most common examples include landlords, lenders, and insurance companies. They also dictate how you can use this data. For example, as a lender, if you want to use prescreen or credit data, you must make a firm offer of credit to the consumer.
The Fair Credit Reporting Act (FCRA) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports. It also dictates who can use this information and how they can use it. The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) are the two federal agencies charged with overseeing and enforcing the provisions of the act.
Prescreening is the process used by a lender to determine if they want to offer credit to a consumer. The process of prescreening consumers happens without the consumers' knowledge and without any derogatory effects on their credit file. The process is highly regulated, so we encourage organizations to work with experienced marketing agencies, like Deluxe, who’ve been doing prescreen marketing for a long time.