Offers Engine Setup

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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

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

Prime Candidate Offer: Visa Tier One

Attribute

Persona A

Credit Score

750+

Number of trades

Number of open trades; no exclusions

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

Near Prime Candidate Offer: Visa Tier Two

Attribute

Persona B

Credit Score

700+

Number of trades

Number of open trades; no exclusions

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

Subprime Candidate Offer: Visa Tier 3

Attribute

Persona C

Credit Score

625+

Number of trades

Number of open trades; no exclusions

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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