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OVERVIEW

Use credit triggers to connect with account holders

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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

The power of tri-bureau data, all at your fingertips

Take advantage of data from over 250 million potential customers, the minute a credit trigger event occurs.

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Best-in-class coverage

We deliver superior results because we aggregate credit data from all three major credit bureaus, which provides a 50% lift over single-bureau competitors

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Improved retention

Proved a unique value to your customers by meeting their needs while boosting your profitability, retention, rate, and lifetime customer value

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Impressive win rate

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

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Turnkey campaigns

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

Facts

Get the facts about credit trigger leads

Using triggers can double your targeted reach and almost double your marketing’s effectiveness. This responsiveness plummets 30-40% each additional week after a trigger.

Tri-bureau monitoring provides a 50% lift over single bureau monitoring and a 25% lift over two-bureau monitoring.

Our clients typically see a 10%-win rate from their mortgage campaigns using In-the-Market Alerts.

DATA-DRIVEN SOLUTIONS

Connect credit triggers with other data-driven solutions

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    Full-service campaign solutions

    Rely on expert creative strategy, audience selection, production and deployment, and attribution and performance measurement to ensure your campaigns deliver. 

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    Life-event trigger data

    Build new relationships or expand existing ones by connecting with the over 2.4 million consumers on the verge of making important purchase decisions every week.

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    Deluxe Branded Marketing

    Control your brand. Consolidate vendors. Conquer your market.

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MORE BENEFITS

Everything you need for data-driven success

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Multiple Uses

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. 

Compliance experts

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. 

Data attributes

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.

DATA-DRIVEN MARKETING

Use data to reach your ideal customers faster

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Testimonials

Insights from our customers

"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."

  • Rich Loftis

    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.

  • Robin Gray

    VP Consumer Direct Marketing , AmeriHome Mortgage

FREQUENTLY ASKED QUESTIONS

Credit triggers FAQ

Why is tri-merge data better than single bureau data?

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. 

What are the three main credit bureaus?

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.

Who can use credit data for marketing?

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. 

What is the purpose of the FCRA?

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. 

What is prescreening?

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.