CallScreen+
Credit Pre-screening - Credit Risk Screening
Consumers with previous arrears or bad debt represent high risks for lenders. Consequently, companies involved in marketing credit products need to avoid making offers to those consumers who would be declined through the underwriting process.
Credit pre-screening is the process used by lenders to remove consumers with previous arrears or known bad debts from marketing lists. It involves matching a customer or prospect file to a database of individuals known to have an adverse credit history.
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Best Practice
CallScreen+ provides direct marketers with the necessary data to conduct credit pre-screening. This process supports the FSA principles of responsible lending, know your customer, and treating customers fairly. The main benefits of using CallScreen+ are substantial savings in the costs of marketing and processing applications for consumers who will not be accepted for credit. Effective credit pre-screening also avoids the adverse PR associated with inviting consumers to apply for credit only to reject them at decision stage.
Choice, Control & Efficiency
For years, the options available to direct marketers for credit pre-screening have been limited. One of our key objectives has been to increase choice for the users of credit data and provide innovative solutions that improve the performance of credit pre-screening. We can provide all the key data sources necessary for effective credit marketing but with the flexibility that lets clients dictate where, when and how they are used. This gives marketers more control over the campaign management process so that they can reduce the lead times traditionally associated with marketing campaigns.
Comprehensive Data Sources
The CallScreen+ database contains credit performance and bad debt information from public and private sources. Public information includes data available in the public domain such as County Court Judgments (CCJs), Bankruptcies & Insolvencies (BAIs), Individual Voluntary Arrangements (IVAs) and Debt Relief Orders (DORs). An individual will have a record on CallScreen+ if they have incurred any bad debt from public information sources in the last 6 years.
Private data is sourced from our sister company Callcredit’s closed user group database called SHARE. Data from SHARE is only available to companies who contribute credit account performance data into the SHARE database, for credit referencing purposes.
CallScreen+ contains details of individuals with accounts in SHARE that have become delinquent in the last 12 months or been in default at some point in the last 6 years. The definitions of delinquency and default are consistent with those used across the industry and are set out in the Principles of Reciprocity document produced by SCOR.
Superior Performance & Flexibility
Unlike other providers, CallScreen+ is built directly from the raw data files obtained from public and private sources. It is not dependent on the credit reference database being updated first. The monthly update process takes a short time to ensure that clients using CallScreen+ have access to the very latest derogatory data for credit pre-screening.
As well as flags indicating the presence of previous bad debt, CallScreen+ contains additional variables that summarise the recency, frequency and value of each type of debt. These extra fields allow clients to practise selective pre-screening and align their suppression criteria with the credit policy rules defined by the risk department.
A recent development to CallScreen+ has been to link current, previous and alias address information together. This provides a single view of an individual or household across multiple identities, to mirror the depth of data available at application processing stage. By accessing linked bad debt information, clients can use CallScreen+ to assess a consumer’s true credit worthiness over time and not rely on just their current address.
In-house Licence or Bureau Service?
There are two principal ways clients can access CallScreen+. The full file can be licensed so that the data can be implemented within the client’s own data processing environment. Alternatively, we can provide a bureau service to match client files to CallScreen+ and suppress records that meet specific criteria.
CallScreen+ can also be accessed through selected marketing data bureaux. CallScreen+ has been licensed to a number of reputable companies so that clients can apply credit pre-screening at the same time as other suppressions (e.g. deceased & goneaways). Historically, these were run as two separate processes, but combining them into a single step avoids duplication, increases efficiency and reduces campaign lead times.