Herman Fontenot's Page

Because of our direct partnership with the largest independent buyer of bureau data in the nation, we provide first generation data direct from their corporate offices, meaning the data is pulled based on a 72 hour activity window and is sold one time only. Regional offices that supply other lead brokers work on 30 day download cycles – not 72 hours.

We’ve found – as I’m sure you have – that other brokers circulate their files through multiple rooms, often within the same industry. With each successive generation sold, price per record increases and conversion decreases, as the list becomes more and more saturated with offers from other companies. Since we work only with first generation data, we can keep the price low and allow our clients to maximize their sales conversion.

We make a wide range of select consumer attributes available to our clients as either pull parametria, data fields or both. In addition to actual bureau score, we can provide age, household income, unsecured debt total, trade line information, secured loan information (mortgages, autos, student loans), delinquencies and over 50 other bureau attributes used for defining a narrow target sales audience, regardless of campaign in the sub-prime, prime or super-prime market spaces. Of course, data is available on consumers in all 50 states.



IDS wants to be a complete data solution for our clients. At no additional charge, we’ll scrub files against your SAN to ensure compliance with both State and Federal Do Not Call Registries. We’re also happy to suppress data orders against internal phone number suppression files supplied by our clients in advance of processing the pull.

When engaging new clients, we apply a relationship protocol designed to offer mutual protection and create an environment that fosters trust. IDS has a standard Non-Disclosure Agreement and List Management Agreement. Both documents are mutual and safeguard our clients’ proprietary information. Once these documents are reviewed and executed, we’ll send you a proposal that outlines the specifics of our conversations as they relate to your data needs.

Assuming you are satisfied with the proposal, we’ll forward you an ‘Order Confirmation’ report. We like to have our clients sign this document and return it to us before executing any pull on your behalf. This guarantees that the pull is administered, appropriate scrubs and suppressions take place, and pricing and data selects are executed exactly as you’ve directed.

IAD has existing relationships with multiple call center and direct mail organizations that require ongoing support to produce consistent results. We pride ourselves on our ability to profile each client’s consumer, to yield high sales conversion based on a narrow target audience and to offer strong periphery data that supplements high volume marketing endeavors.

Flexibility

IAD understands that data solutions must fit the needs of the client. This applies as much to a client’s marketing budget as it does to the type of data required and the detailed criteria included with each record. Our standardized pricing model allows for benefits based on range of criteria selected, volume orders and weekly purchase commitments. It’s IAD’s way of demonstrating our commitment to the success of partner organizations and the value we place on strong partnerships

Our “Select” bureau data is sold directly to us within 72 hours and we in turn sell it once with a 45-day exclusivity agreement. This data provides over 65 selects to pull from and automatically includes personal contact info, FICO score, household income, total revolving trades, and aggregate revolving debt. You can also choose FICO range, debt targets, and mortgage targets at no additional cost. Further, we suppress state and federal DNC lists and phone verify all data prior to sale. This data runs in the neighborhood of $0.20 to $0.23 per record based on number of selects and quantity per order. For approximately $0.01 each, you can add DOB, home value, number of late's, total past dues up to 90 days, length of residence, open mortgages, and mortgage aggregate balance. This data is available for all 50 states and pricing is standard nationwide.
Our “Standard” bureau data tends to be very popular among our debt settlement and debt arbitration clients. This includes the same choices as our “Select” data but with 2 exceptions. The data is 45-days old (what you will find from most regional offices), and the absence of total open trades. This is the data that we sold once and has now passed the 45-day exclusivity agreement. The reason this tends to be popular in this specific space is the potential customer’s financial picture often worsens, but it can be a gamble as they may have sought help already during this time-frame. This data runs in the $0.15 to $0.17 range per record.

Our other option is what we refer to as “Email” or “Direct Mail” data that is very basic. It provides physical address and email contact information without phone numbers. Further this data includes time and date stamp, consumer reported FICO range and debt range. This data comes at a cost of $0.07 per record. As the information is reported by the consumer rather than a bureau, the integrity of the data tends to be much less accurate than our bureau data.

I am very interested in conversing with you on the procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies (CRA's) Under Section 312 of the Fair and Accurate Credit transaction Act(FACT Act")We are coming out with the first of it's kind to show positive payment to the big three bureaus for bills that are not your norm as far as credit scoring. IDS Master Card platform basically consumers rent,gas bills,electric,child support,all the bills that it take to survive on a day today basis that they're not getting credit for.All reporting through the Master card Program automated reporting system that we have put a lot of time and knowledge to searching for better ways to help the consumers.The problem of missing positive payment information has an unintentional but distinctly unfair and negative impaction two groups of consumers when they apply for housing,credit,insurance,utility hook-ups telecom service and employment.The first group includes those who pay their bills on time such as rent,utilities,phone,and insurance,but who have chosen not to so-called traditional forms of credit to live beyond their means.While this category of consumers are fiscally responsible and otherwise good credit risk,these consumers often have little or no payment histories in the big three credit bureaus.Ironically,having no positive or negative credit history in one or more of the traditional"big 3" credit bureaus has the same effect as having bad credit when a traditional report and score are used to assess an applicant.

The second group of consumers that are unfairly and negatively impacted by missing positive payment are those who have defaulted on credit obligations in the past,but who are rehabilitated and have paid their bills on time since then.

I will provide you with more info on the progress of (ScoreMyBills) upon the completion of our Web which should be completed and ready to market in lest than a week.Incredible business,I work with about 28 call centers around the country selling data for their Debt Consolidation and Settlement rooms.This is all their waiting on to enhance the programs which are saturated because everyone's selling the same programs to those same customers.Have a good day.Talk soon

Look forward to hearing from you.

Best Regards,

Herman Fontenot