Identify Potential Risk Behavior

Data Applications
The data file has two distinct uses:

1. Suppression As a suppression tool this list has directly benefited catalogers, banks, risk management companies, non-profit organizations, telemarketing companies and telecommunications companies.
2. Acquisition As an acquisition tool this list has benefited prepaid credit card solutions, cell phone companies, telemarketing companies and auto dealers.

Data origination, sourcing hygiene and enhancements

• SKM aggregates data from over a dozen Sub-Prime categories from thousands of online sources.  Categories include: Debt Consolidation, Debt Settlement, Payday Loan, Bank Credit Card Rejections, Consumer Bankruptcy Request, Pre-Paid Phone Services, Credit Repair, Short Sales and more. These sites collect self reported data on consumers looking to receive these services online. SKM receives tens of thousands of these sign ups on a daily basis where we process the information in-house for our clients.
• All records are passed through our postal software to ensure address accuracy and to capture any NCOA moves in the last 18 months.
• The final process occurs when we import all new data to our national data system and overlay 120 demographic, lifestyle and behavior information on each record.  Currently, our Sub-Prime file exceeds 19 million consumers over the past 30 months.

Sub-Prime File has:

• Ethnicity selection on 85%
• White collar workers are 30%
• Household Value Score on 83%
• Mortgage holders are 25%  

Update process
SKM updates our national file daily. This process includes adding intelligence to existing records: number of entries in the database, first date and last date entered. There is an average of 340,000 new consumers added each week.

Install vs. Off-Line
SKM offers our entire database and monthly updates as an install product. SKM will provide a totally new install file monthly. Off-Line processing is available on all data files. Client can obtain data for postal or email campaigns or upload your file to ours and flag for suppression. Choose to have one or all fields appended to the matched records. SKM has added a “Score Value” field which places a sub-prime valuation on the individual.

Score Value
Data is received daily, processed and merged to our cumulative file of 19 million records. This process includes CASS certification, DPV and 18 month NCOA enhancement.  We are able to identify those people that are new entries and those that frequent users of this online process. We have added a frequency field and can track activity over the past 30 months.

Permission-based email records
Permission-based emails or opt-in emails are records those consumers have given prior permission to receive communications for third party marketing offers. SKM will actually deploy the emails.

Validation of email records
SKM email records are validated multiple times. You can use highly validated email records with consumer intelligence to send the right offer at the right time. Closed loop email campaigns maximize the chance of higher open and click through rates.