Posts by Veronica Herrera

The ideal prospecting list: finding the most profitable consumers

Many times prescreen filtering stops after risk selection but that’s just one small piece of the puzzle. Experian has new tools that can help you pick out the most profitable consumers based on your business objectives.     Think about it - if you’re looking for consumers who will be profitable...read more

The ideal prospect list: optimal risk selection

Every prospecting list needs to be filtered by your organizations specific credit risk threshold.  Whether you’re developing a campaign targeting super-prime, sub-prime, or consumers who fall somewhere in between, an effective credit risk model needs to do two things: 1) accurately represent a...read more

Four steps to creating the ideal prospecting list.

At Experian, we frequently get asked by clients how they can get bigger mailing list that open new markets and reach more people. But bigger isn’t necessarily better, and it doesn’t always translate to a higher return on your marketing investment. Instead of just increasing volume, let’s consider a...read more

Validating your models when you use overlays

Gone are the days when validating scoring models was a thing you did when you got around to it. Besides that fact that the OCC wants models validated at least once a year, it’s just good business sense to make sure your tools are working as expected. At a minimum, the OCC wants back testing, stress...read more