Today credit is king in determining propensity to purchase, willingness to buy, and ability to pay. MH2 has developed an aggregated credit data scoring process that factors more than 400 financial attributes at the zip+4 level. An equal abundance of demographic, ethnic, purchase, and lifestyle data is layered on top of the credit score matrix to present the first ever hybrid list of hotline consumers by credit status.

Precise Credit Scores Based on Numerous, Selectable Indicators:

• Tradeline Type — Auto, Bank Card, Credit Union, Installment, Loan Finance, Revolving, Real-Estate Mortgage, Retail, Sales Finance, Service & Professional and Savings & Loan Trades
• Tradeline Status — Number of Tradelines, Tradeline Balances, Average Balance-to-Credit Ratio, Number of Open Lines of Credit

By law, individual level credit data can only be utilized by pre-approved credit mailers.  However, aggregated credit data across multiple households in a discreet neighborhood if used properly can be a very powerful tool for direct marketers.  MH2’s FCRA compliant credit scores are based on narrow populations which ensure very high levels of accuracy in the assessment of credit quality.  Head-to-head tests confirm that MH2 Consumers + Credit consistently outperforms other aggregated credit scoring methods.

Factor In Transactions for Stellar Performance
MH2 takes targeting by credit behavior to new levels by incorporating hundreds of premium, reputable sources of purchase activity. More than 15 million monthly hotline retail and online transactions help marketers combine credit score with purchase behavior to acquire new credit-worthy customers for niche markets.

Professional Credit Marketing Consultation for Many Applications
Born out of the sophisticated marketing strategies of major financial industry institutions, MH2 Consumers + Credit is backed by knowledgeable marketing consultants who can craft successful Marketing and credit data strategies. Beyond straight list selection, applications include:
1. Multi-Channel Marketing via mail, email, and DNC-compliant telemarketing
2. Appending customer lists or prospect lists with credit data
3. Suppression for pre-screening to reduce waste on mis-targeted prospects
4. Customized list development based on mailer specification
5. PerfectMatch Modeling with response and/or mailed regression models

Sample mail piece required with each order. Payment due 30 days from mail date. Order cancellations within 10 days of mail date must be paid in full. Orders cancelled prior to 10 days before mail date include the following fees: $100/F plus $10/M, media and shipping charges. 20% commission on base rate to authorized brokers. Please allow 3-5 business days to process an order. Any order received at ALC is subject to a $100/F cancellation fee. State and local sales tax will apply where applicable.