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Target your marketing at consumers who are likely to be approved for credit and reduce wastage on those who will not. Identifying credit risk consumers at the application stage helps you to reduce underwriting costs and improve the risk profile quality of applicants – reducing long-term bad debt. Delphi for Mailing uses scorecards to identify credit risk consumers that represent an unacceptable level of credit risk and who would be unlikely to be accepted should they respond to your campaign.
Minimise credit risk exposure
Uphold responsible lending and protect brand reputation