1. Is your credit data individually scored data or "modeled data"?
DML provides pre-screen credit marketing lists from the national credit bureaus based on individually scored records. You receive the freshest prospect data available for consumers who meet your specific credit score range and other selection criteria. This is the most effective way to reach qualified prospects for new mortgage and refinance as well as pre-screen automotive offers with lease and loan expiration/percentage paid prospecting. Pre-screen marketing lists must be used in "Pre-Qualified" or "Pre-Selected" firm offer type promotions. Modeled or aggregated data can be based on household scores or multiple individuals residing in a Zip+4 area. Modeled data can only be used in "Invitations to Apply" applications. Be careful as some companies offering credit data may be promoting modeled credit data. Mail pieces must contain specific language based on the type of data used. Be sure you understand what data you are purchasing and incorporate the appropriate verbiage in to your mail piece or script. DML provides modeled data at the household level and can provide guidance on most effective usage and the best source for your campaign needs.
2. How fast will I receive counts and orders?
Our leading edge technology allows us to delivers counts and orders in minutes! We understand your business and recognize how critical it is to meet deadlines. Our dedicated email account is closely monitored and you will always receive fast, personal service. During business hours from 9am- 6pm EST, you will always speak with a live person who can assist you- never voicemail or complicated and frustrating touch tone systems.
3. What kind of quality can I expect from DML’s lists?
We deliver only the freshest data available sourced from the major credit bureaus and other national public record files. Our National Credit Bureau data is updated daily for Triggers and monthly for standard credit list applications. Bankruptcy and Realty files are updated weekly. For enhanced quality, telephone numbers are scrubbed against the Federal DNC and addresses are NCOA’d and CASS Certified. DML provides personal guidance to be sure you have the best list for your promotion and use the appropriate mail piece disclaimers and scripts. Be careful, there are companies offering out dated and modeled data as fresh and individual scored data, all of which can dramatically impact your results and may not follow FCRA guidelines. While price is always a factor when selecting your data, keep in mind that the initial cost per name is not nearly as important as the number of qualified prospects per inquiry or, most importantly, the return on investment for the entire campaign. Be sure you are receiving the best quality data for your investment to avoid lost sales opportunities and wasted marketing dollars.
4. How can I retain and generate more sales opportunities with my own customer database?In minutes, we can load your customer (service and sales) file and match to the credit file to determine which customers have a certain credit score, have leases expiring or loans that are 70-99% paid. DML can assist you with other high-tech options available to help you utilize your proprietary information to generate new sales opportunities. Reach out to your customers with the right offer, at the right time, and instill customer loyalty. Find, retain and generate new sales opportunities within your database.
5. Who can use prescreen marketing lists and why is the mail piece disclaimer important?
The Federal Trade Commission has issued very specific guidelines for pre-screen marketing data usage. Mail pieces and scripts under the FCRA (Fair Credit Reporting Act) must contain a firm offer of credit, Opt out language, the terms of the offer to be displayed in certain font types and in specific locations. A firm offer of credit includes the verbiage you are "pre-selected or pre-qualified" and should only be used in conjunction with pre-screen credit marketing data. Certain business providers such as a mortgage brokers or lenders, automotive dealerships and insurance companies qualify to use pre-screen marketing lists. This verbiage cannot be used with modeled or public records data such as Bankruptcy data. DML will provide guidance and make this process easy however, it is very important to follow these guidelines as companies have faced legal prosecution for violating FCRA laws.
6. What type of address verification is used to ensure deliverability?
DML lists are processed through a double verification process starting with the bureau or public records address and then processed against the NCOA (Nat’l Change of Address) to pick up new movers; and CASS Certify all addresses to insure deliverability. Each list order includes a CASS report and NCOA deliverability report. The CASS™ system improves the accuracy of carrier route, five-digit ZIP®, ZIP+4®, and delivery point codes that appear on mail pieces.
7. What is a SAN and why do I need it?
The Federal Trade Commission requires all businesses making telemarketing calls to consumers that are not customers register and obtain a SAN. All phone lists orders require a SAN. For more information on SAN number registration go to: https://donotcall.gov
8. Why should I partner with DML?
We provide fast, personal service and use our extensive automotive & financial services knowledge with quality data to help you improve results at a competitive price- all representing a value to your business. DML simplifies your data needs and you need only to call one provider. We go the extra mile to use our knowledge and experience to make a difference in the success of each campaign. Too many companies view customers as one time sales events. At DML we look at each customer, small or large, as a long term partnership.
Contact us today at 866.761.8688 or via email to discuss your campaign needs.
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