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The Gold File - Financial

The Gold File consists of nearly 30 million credit scores compiled from 13 different financial intermediaries including four of the large high street banks as well as credit card, mortgage and loans companies. Data is further enhanced using feeds from CCJ and mortgage arrears data, which can be profiled to identify penetration rates of poor credit across the country.

This data can be used very accurately to target individuals that may be interested in any of the following products:

  • New bank accounts
  • Loans – Secured / Unsecured
  • Savings
  • Mortgages / Remortgages
  • Credit Cards
  • Insurance
  • Health care
  • Investments

Using the transactional data held in the Gold File along with credit scores, demographics, lifestyle and financial attributes; we are able to produce a very clear picture of your target audience.

Who are the Contributors?

  • Number of contributors = 13
  • High street banks = 4
  • Mortgage Co = 7
  • Loans Co = 6
  • Credit card co = 5
  • Insurance Co = 13

Selections to Consider:

  • ADM – Geo Dem Modelling Tools
  • Number of credit cards
  • Type of credit card including brand
  • Have loan – Yes / No
  • Frequency of credit searches
  • Household income
  • Modelled – Prime / Near Prime / Subprime
  • Homeowner / type of home
  • CCJ / Mortgage Arrears
  • Income

Please note models are available to identify propensities to require various financial products.

Financial selections can be used in conjunction with any of the 300 selections contained on the Gold File. Full listing of selections.

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