It can be a waste of marketing dollars if you can only speculate if consumers are late on payments.  Stop your hard earned marketing dollars from going down the proverbial drain and know for a fact IF consumers are late on payments and HOW late they actually are.

These Late on Payments Consumers regularly use their credit cards and have missed on or more payments making them a perfect prospect for credit counseling, debt settlement, credit repair, mortgage modification and more!

Using this type of marketing also helps to focus your target on consumers that actually need a product or service like bankruptcy or a loan modification.  Targeting high utilization consumers may not be enough – knowing they are late on their home or credit card will give you knowledge to ensure they need or at least will qualify for your product or service.