Credit information can help businesses assess financial risks before contacting customers, launching a reactivation campaign or entering into a business relationship. Trebbau checks consumer and business data against relevant adverse credit and suppression indicators and prepares the results for their intended use.
This allows you to target your marketing and sales activities more precisely and reduce unnecessary costs.
What is a credit check?
A credit check examines customer or prospect data against defined creditworthiness or adverse credit indicators.
The aim is to identify indications of financial risk early and enable this information to be considered in marketing, sales or customer reactivation activities.
Trebbau offers checks for both your own customer databases and third-party address lists. The criteria used can be defined according to the intended application.
Which databases can benefit from a credit check?
Credit checks can be carried out on both consumer and business data.
Your own customer databases
For existing customers, a credit check may be useful before a reactivation campaign or a new offer.
It provides additional information that can help you decide which contacts to include in a particular activity.
Third-party address lists
Rented or other third-party address lists can also be checked against defined credit indicators before a marketing campaign.
This allows the target audience to be refined according to the agreed criteria before production and mailing.
Which credit indicators can be included?
Trebbau allows you to select specific adverse credit indicators for business and consumer data.
Business data
For business data, the following categories can be included:
- Negative 1: court and enforcement records, such as insolvencies, attachments or arrest warrants
- Negative 2: court order for payment proceedings
- Negative 3: pre-litigation and out-of-court debt collection proceedings
Consumer data
These three categories can also be selected individually and included in checks on consumer data.
The appropriate categories depend on the purpose of the activity and the defined selection criteria.
How do credit checks support marketing and sales?
Credit information does not replace business decisions, but it can provide an additional basis for planning marketing and sales activities.
For higher-cost postal campaigns in particular, it may be useful to further qualify target audiences before production and mailing. Contacts with specified adverse credit indicators can, for example, be excluded from a campaign.
This can help you:
- Identify financial risks early
- Select target audiences more precisely
- Avoid unnecessary production and postage costs
- Manage reactivation campaigns more effectively
How the results are used depends on the intended application and the agreed checking criteria.
How does a credit check with Trebbau work?
Trebbau first agrees with you which database should be checked and which adverse credit indicators are relevant to its intended use.
The data is then matched against the corresponding adverse credit and suppression information. The selected categories can be included individually as required.
The results are prepared for further processing so that they can feed into subsequent marketing, sales or data processes.
Combine credit checks with data matching
Depending on your requirements, a credit check can be combined with other data quality measures.
While a credit check examines adverse financial indicators, data matching focuses on issues such as duplicates, changes of address, deceased individuals or undeliverable addresses.
The two services therefore perform different tasks and can complement one another when preparing a database.
Why choose Trebbau for credit checks?
Trebbau combines data processing with experience in direct marketing and in handling both customer databases and third-party address lists.
This allows credit checks to be integrated directly into existing data, marketing and mailing processes. The checking criteria are selected according to your specific requirements rather than a rigid standard procedure.
You receive a database prepared for your planned activity, supporting subsequent decisions and processing.
Request a credit check for your database
Would you like to check consumer or business data against relevant credit indicators before a marketing, sales or reactivation campaign?
We work with you to determine which checking criteria are appropriate for your requirements and how the results can be integrated into the subsequent process.
Speak to or use our contact form.
Frequently asked questions about credit checks
Yes. Trebbau offers credit checks for both consumer and business data. Different adverse credit indicators or categories can be included depending on the type of data and its intended use.
Yes. In addition to your own customer databases, third-party address lists can be checked against agreed credit indicators before a campaign. This allows the target audience to be further qualified before production and mailing.
Yes. The Negative 1, Negative 2 and Negative 3 categories described on the Trebbau website can be selected individually. The categories to be included are agreed according to the intended use.
No. Credit checks focus on adverse financial indicators. Data matching, by contrast, identifies issues such as duplicates, changes of address, deceased individuals or undeliverable addresses. Depending on your requirements, both procedures can be combined.
