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Offers Engine Setup

Product Scenario: Credit Cards
Sample Selection of Credit Card Attributes
All Attributes Parsed From User Credit Reports
Based on client preference, the following credit report attributes have been selected as offer matching criteria for Credit Card products
Search
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%
Sample Credit Card Offers
Client Selected Offer Thresholds To Conduct True/False Match
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%
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%
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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