Paycheck Quick Cash Advance consumers use their paychecks as collateral in order to borrow money for a short term. Employment and a bank account are requirements for this type of loan. These individuals are excellent prospects for bank, department store and gasoline cards, secured cards as well as for sweepstakes, insurance, loans and rent-with-option-to-buy offers

These people look for alternative ways to obtain credit to get the products and services they want. They are a sub prime group of individuals that are highly responsive to low end credit offers. You can select catalog shoppers, mail order buyers, online buyers and retail buyers that are looking for credit options.

Homeowners who have an adjustable rate mortgage are now available on The DatAdvantage Adjustable Rate Mortgage Borrowers file. This new file offers full loan information as well as optional emails. Target your offer more precisely by selecting interest rate, loan type, lender names and lender type.

The current economic environment has overwhelmed many consumers, driving them to seek financial counseling and assistance. The financially-stressed individuals on this file have researched online and/or registered at websites offering credit repair and debt consolidation.

Mortgage borrowers who have an FHA loan are now available on The DatAdvantage FHA Mortgage Borrowers file. This file is perfect for offers for credit cards, investment, insurance, furnishings and home decorating catalogs, retail and insurance.

These individuals have gone online looking for financial help. They want to consolidate auto loans, mortgages and other debt to get lower rates and avoid debt collectors and bankruptcy.

These credit seekers, who don't have the best credit history, have visited a website to apply for a secured line of credit.

These people, mostly families with children, try to make ends meet and still have something left over for some "non-essentials" such as going to the movies or enjoying a fast food meal out. Because most do not have bankcards, they have to rely on installment loans to purchase major merchandise like furniture, large appliances, electronic equipment, etc.

Individuals on this list have been profiled as financial seminar attendees, making them likely to attend financial seminars. The formula for this list is based on a powerful financial segmentation model specifically designed to predict the intention of consumers to respond to attend seminars. The model uses in-depth, exhaustive research data of recent consumer insurance behavior and intentions. This very specific profile of Financial Seminar Attendees drives the process for identifying those households with the greatest propensity to respond to a Financial Seminar Attendees offer.

Focus USA´s MortgagePlus database combines powerful attributes such as lender and loan information, lendable home equity, market value, Loan To Value (LTV) and household demographics into one comprehensive file. This file is perfect for mortgage companies and financial institutions looking to segment marketing prospects by specific mortgage attributes. In addition to mortgage information we can select individuals based on our Credit Score Index (CSI). CSI was created to identify FICO-like scores on the Focus USA database without the burden of making a pre-approved offer. CSI can be used to identify Prime and Sub-Prime prospects for specific offers.

These homeowners have Adjustable Rate Mortgages and are perfect candidates for refinancing now, before interest rates increase. The listing below shows the expansive amount of information available on the loans these consumers currently carry, everything from the interest rate and lender name to LTV and available equity.

Mortgage loan holders who own homes valued at $100,000 or more, with a loan-to-value not more than 80%, are perfect candidates for refinancing. Target by lender name, loan terms, purchase price, as well as other loan and property criteria. Also available are extensive demographic and lifestyle selects for more precise targeting.

The homeowners on this list own homes with a market value equal to or greater than $150,000 with a loan-to-value of 90% or more. These homeowners may find the services of debt management, credit counseling, or loan modification companies, to be helpful. The data on this list is compiled from a nationwide network of public records and proprietary sources and has been overlayed with demographic and lifestyle information, such as state, length of residence, income, etc., to allow for more refined targeting. Among the many selection criteria included are the lender name, loan type/rate, etc.

This list is comprised of seniors age 62-plus, who meet the qualification for a reverse mortgage with a home market value of $150,000-plus and a loan-to-value of 70% or less. The data on this list has been compiled from nation-wide public records and proprietary records. By selecting specific geographic areas and income levels, we can help you target those homeowners most likely to consider a reverse mortgage.

These donors, who tend to be well educated and married, are likely fall into the Credit Score Index (CSI) level of 650 and higher. CSI is a statistically derived scoring system created to identify FICO-like industry credit scores. Donors on this have a median age of 44 and a median income of $75,000.

These consumers have responded to offers for products and services relating to refinancing a mortgage. These people are excellent candidates or various offers including mortgages, home equity, refinancing, home decorating, renovation and landscaping, household items as well as catalog/online shopping credit cards, insurance and financial offers and more. Source: Online Responders.

Using a powerful investor segmentation model, these individuals have been identified as having a very high likelihood to buy stock and bond mutual funds. The model uses in-depth, exhaustive research data covering a wide range of consumer financial behavior and intentions. The model uses in-depth, exhaustive research data of recent consumer insurance behavior and intentions. This very specific profile of Sophisticated Mutual Fund Investors drives the process for identifying those households with the greatest propensity to respond to a Mutual Fund offer.

These boomers, aged 42-60, with low to lower middle incomes tend to juggle their finances to make ends meet. Whether due to bankruptcy, late payments, foreclosure or little or no credit history the individuals on this file are not likely to have any health insurance or bankcards, although they may have retail and gas cards.

These donors, with low to lower middle incomes, are likely fall into the Credit Score Index (CSI) level of 650 or below. CSI is a statistically derived scoring system created to identify FICO-like industry credit scores. Donors on this have a median age of 36 and a median income of $25,000. It has been reported that those with lower incomes give a higher percentage of their income to charitable causes than others do.

This list identifies Americans who are prime prospects for bankcards. They tend to have bank cards but are perfect candidates for additional sources of credit. This group is an excellent audience for bank, gas, department store and secured cards, loans and sweepstakes offers as well as for rent-with-an-option to buy offers.