MarketerNet’s Risk Propensity Model (RPM) helps you identify areas that may be more likely to fit credit risk categories. The RPM categories are statistically derived using factors such as demographic, lifestyle, behavioral, and other tradeline information aggregated at the ZIP+4 level.

This Model is geared for the automotive traffic builders and was developed based on years of experience in the automotive direct marketing industry. We crunch billions of automotive transactions to analyze and develop the RPM categories. These calculations provide the basis for using summarized consumer credit data without the burden of making a pre-approved offer of credit while still retaining the accuracy of the data for list selection and high level risk management.

The RPM categories are segmented as follows:

• Prime
• Near-Prime
• Subprime Plus
• Subprime
• Hard Money

The RPM is available as part of the Demographic Mart and is available through MarketerNet’s proprietary online count and fulfillment tool, Intelidata Express.

Source
Consumer Records and Summarized Credit Statistics.