Bankruptcy

Acxiom’s Bankruptcy List is a database of more than 15 million individuals who have filed for personal bankruptcy or have just been released from bankruptcy.  Many of these individuals are looking to re-establish and/or rehabilitate their credit. Bankruptcy names are good leads for secured and prepaid credit cards and second mortgage promotions.

Economic Assessments

Now you can select prospects based on the level of credit-worthiness appropriate for your marketing strategy and offers. Ideal for invitation-to-apply offers, our statistically derived score enables you to identify performance from historical patterns of credit usage and payment behavior. The score is derived from such predictors as mortgage, retail and other trade line information aggregated at the Zip+4 level. 

Revolving Bankcard Balance Index

This index is based on the actual financial transaction data of hundreds of millions of consumers aggregated at the zip+4 level and provides an affordable data solution for soft offers of credit and invitation-to-apply offers, allowing marketers to select prospects based on the amount of a revolving bank card balance carried. When used in combination with InfoBase-X™ Economic Assessments this targeted combination can accurately define a segment of the population that is in need of additional spending power and home equity financing.

Bankcard Utilization Rate

Select prospects using the Bankcard Utilization Index and Revolving Bankcard Balance Index to find the exact targeted combination for your offer. Identify consumers who are overextended on home equity lines of credit. Find consumers who are under-utilized for home improvements, vacation offers, home furnishings, products and services, fitness memberships, appliances and others. Developed at the Zip+4 level, all of our Real Insights products are eligible for invitation-to-apply offers.