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Offers Engine Setup
Offers Engine Setup
[Mortgage Loan] Attributes
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Offers Engine Setup

Product Scenario: Credit Cards
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Sample Selection of Credit Card Attributes
All Attributes Parsed From User Credit Reports
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Based on client preference, the following credit report attributes have been selected as offer matching criteria for Credit Card products
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Template
Category
Attributes
Reference Range
Credit Cards
General
Credit score
0-850
Number of trades
0, 1-2, 3-4, 5-6, 7-8, 9+
Number of open trades
0, 1-2, 3-4, 5-6, 7-8, 9+
Percent utilization on all open tradelines
0-100%
Total occurrences of delinquencies in the past 2 years
0, 1-2, 3-4, 5-6, 7-8, 9+
Total occurrences of delinquencies in the past 7 years
0, 1-2, 3-4, 5-6, 7-8, 9+
Age of oldest trade in months
0-24, 25-48, 49-72, 73-96, 97+
Average number of months trades have been on file
0-24, 25-48, 49-72, 73-96, 97+
Number of inquiries in the past 6 months
0, 1-2, 3-4, 5-6, 7-8, 9+
Months since oldest credit card trade opened
0-24, 25-48, 49-72, 73-96, 97+
Utilization for open credit card trades verified in past 12 months
0-100%
Total number of open credit card trades
0, 1-2, 3-4, 5-6, 7-8, 9+
Number of credit card trades opened in past 6 months
0, 1-2, 3-4, 5-6, 7-8, 9+
Percent utilization on all open tradelines
0-100%
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Sample Credit Card Offers
Client Selected Offer Thresholds To Conduct True/False Match
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Prime Candidate Offer: Visa Tier One
0
Search
Attribute
Persona A
Credit Score
750+
Number of trades
7+
Number of open trades; no exclusions
5+
Total occurrances of delinquencies in the past 2 years
0-3
Total occurrances of delinquencies in the past 7 years
0-8
Age of oldest trade in months
36+
Average number of months trades have been on file
24+
Number of inquiries in the past 6 months
0-2
Months since oldest credit card trade opened
24+
Utilization for open credit card trades verified in past 12 months
< 15%
Total number of open credit card trades
1-3
Number of credit card trades opened in past 6 months
0-1
Percent utilization on all open tradelines
< 20%
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Near Prime Candidate Offer: Visa Tier Two
0
Search
Attribute
Persona B
Credit Score
700+
Number of trades
5+
Number of open trades; no exclusions
3+
Total occurrances of delinquencies in the past 2 years
0-4
Total occurrances of delinquencies in the past 7 years
0-10
Age of oldest trade in months
24+
Average number of months trades have been on file
18+
Number of inquiries in the past 6 months
0-4
Months since oldest credit card trade opened
18+
Utilization for open credit card trades verified in past 12 months
< 20%
Total number of open credit card trades
0-3
Number of credit card trades opened in past 6 months
0-2
Percent utilization on all open tradelines
< 25%
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Subprime Candidate Offer: Visa Tier 3
0
Search
Attribute
Persona C
Credit Score
625+
Number of trades
3+
Number of open trades; no exclusions
2+
Total occurrances of delinquencies in the past 2 years
0-5
Total occurrances of delinquencies in the past 7 years
0-12
Age of oldest trade in months
18+
Average number of months trades have been on file
12+
Number of inquiries in the past 6 months
0-6
Months since oldest credit card trade opened
12+
Utilization for open credit card trades verified in past 12 months
< 30%
Total number of open credit card trades
0-3
Number of credit card trades opened in past 6 months
0-3
Percent utilization on all open tradelines
< 30%
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