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- W61546730 abstract "Prescreening is the practice by which a creditor uses credit bureau files to compile a list of consumers to whom a solicitation for a new preapproved credit card account will be mailed. While there are several possible variations of this practice, it generally starts with the creditor identifying certain criteria relating to data in the consumer's credit bureau file, such as a specified number of credit accounts that have been paid as agreed, the absence of any major derogatory information, and possibly a certain type or length of credit history, known as time in file. These criteria are given to a credit bureau to be matched by computer against the credit bureau's data base. The names and addresses of the consumers who pass this prescreen are placed on a list to receive the creditor's solicitation. The mailing may be done by the credit bureau, a third-party vendor or the creditor. Since the prescreening process is limited to the information in credit bureau files and there is some margin for error in the screening process, some creditors are not willing to make an unqualified offer of credit to everyone on the list solely on the basis of a credit bureau's prescreen. Prescreening may function imperfectly because the data bases used for prescreening purposes do not always contain the credit bureau's most current information. In addition, the file that was screened may have been incomplete or the name of the consumer so common that it is difficult to match the file that was screened with the correct" @default.
- W61546730 created "2016-06-24" @default.
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- W61546730 date "2016-01-01" @default.
- W61546730 modified "2023-09-27" @default.
- W61546730 title "The Current Status of the Law Governing Prescreening, Including Permissible Postscreening Practices" @default.
- W61546730 hasPublicationYear "2016" @default.
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