TransactionBase®

Credit decisioning for direct response marketers

TransactionBase® was built specifically to meet the credit scoring needs of direct response marketers. A powerful, cost-effective alternative to traditional credit scoring services, TransactionBase scores are based on consumer performance in "Bill-Me Later" and installment offers. Alliant provides risk management decisioning both for list prescreening and at the order acceptance stage.

A different view of consumer opportunity and risk

Traditional credit scores are based on major financial commitments: home mortgages, credit cards, car loans, etc. TransactionBase is sourced from direct response payment information, so the data more accurately reflects the risk profiles common to product marketers.

Alliant's offers both pre-computed and custom consumer scores, allowing marketers to balance opportunity and risk in direct response credit offers.

• Deep direct response histories identify the most responsive and loyal direct response consumers for prompt action and upsell.
• Detailed information on write-offs, order/cancels, returns, average DSO and other performance variables spotlights risk areas, allowing marketers to manage consumers appropriate to specific profit models.

Superior coverage expands your credit universe

TransactionBase offers broad coverage of active consumers who buy direct. Typical household match rates to mailing lists exceed 65% (50%+ for many Internet-sourced files). For marketers who traditionally rely on scores from major credit bureaus, TransactionBase can provide an affordable alternative or supplement for target populations with thin or non-existent traditional credit files.

FCRA compliance

TransactionBase is a fully FCRA-compliant resource for all firm offers of credit. Alliant is a Consumer Reporting Agency and provides all consumer services required by FCRA regulations. For more information, follow this link.