Real-Time Credit Intelligence
Reach In-Market Buyers the Same Morning Their Credit Is Pulled
Once any consumer in your marketing area has had a credit bureau pulled by a competitor for auto financing, personal loans, or credit cards — a notification is triggered. Every morning, a fresh list of these shoppers becomes available to you.
The Most Targeted List Available
Trigger lists work because these are not passive prospects — they are consumers actively shopping for a loan right now. A competitor just pulled their credit. The moment that happens, RMA Data Plus captures the signal and adds them to your morning delivery.
This is one of the most targeted lists available, and the response rates prove it.
- bolt A competitor pulls a consumer's credit bureau in your marketing area
- notifications RMA Data Plus captures the inquiry type — Auto, Personal Loan, or Credit Card
- wb_sunny By the next morning, the consumer appears on your fresh shopper list
- mail You launch a FCRA-compliant Firm Offer of Credit via mail
- trending_up Industry experience: 4%–7% response rates are common from a properly run trigger program
The Response Rate Difference
"You are lucky to get a 1% response from any traditional mail campaign. It's common to see response rates from 4% to 7% from a properly run trigger program."
The difference comes down to intent. Traditional mail goes to everyone in an area — most aren't ready to act. A trigger list contains only people who just demonstrated they are actively in the market. That's why this is one of the most targeted lists available.
Traditional Direct Mail
Broad demographic or prescreen lists — prospects may or may not be actively shopping. Typical response: around 1%.
Trigger Campaign
Consumers actively in-market — a competitor just pulled their credit. Industry experience: 4%–7% response rates from a properly run program.
Three Types of Credit Inquiries — One Daily List
RMA Data Plus monitors three inquiry types across the credit bureaus each day. You can target one or all three, depending on your lending products.
Auto Loans
Capture consumers the moment a dealer or auto lender pulls their credit for a vehicle purchase or refinance.
Personal Loans
Reach consumers actively shopping for a personal or installment loan from a competitor financial institution.
Credit Cards
Monitor for new card applications and balance-transfer shoppers entering the market each day.
How a Trigger Campaign Runs
Trigger Fires
A competitor pulls a consumer's credit bureau in your marketing area for auto, personal loan, or credit card.
Inquiry Captured
RMA Data Plus scours the credit bureaus each day and cross-references them with your marketing geography. Every application — and even a simple quote — is captured.
Morning Delivery
By the next morning, a fresh list of in-market shoppers is ready. You know the inquiry type for each consumer.
Launch the Offer
Send a FCRA-compliant Firm Offer of Credit via mail. Reach them first — before they sign with a competitor.
Common questions about trigger campaigns
What is a credit trigger and how does it work?
What FCRA permissible purpose applies to trigger campaigns?
What response rates can I expect from a trigger campaign?
Which types of credit inquiries does trigger monitoring cover?
Related services
Prescreen Database
FCRA-compliant, pre-approved prospect lists drawn from the national credit bureaus, selectable by region, score, and credit criteria.
Learn more arrow_forwardOnline Prospect & Database Monitoring
Daily alerts the moment a customer applies for credit elsewhere, with FICO append and automated payment-reduction triggers.
Learn more arrow_forwardDirect Mail & Print Fulfillment
Turnkey creative, variable-data printing, and mailing from a G7 Master Printer — NCOA & CASS certified output.
Learn more arrow_forwardReady to Reach In-Market Buyers First?
Contact RMA Data Plus to set up your trigger monitoring program. A fresh shopper list can start arriving the next morning.