@Anonymous wrote:
I have the same problem, no pre quals ever but my husband gets them and his scores are lower than mine! I opted us back IN at the same time so I know we are both available for it. I did get the shopping cart pop up once or twice but he gets it dang near every time!
Marketing depts guess at who is more likely to app.....their objective is to target 'profitable' clients in as CHEAP a way as possible...
So today offers can be very targeted vs the old days of spray n pray
Meaning nubby's profile may fit a sweet spot of
a) higher % of returned apps thus lowering the cost of offer to app ratio
b) worse profiles tend to app more often than better profiles (hence he may be more attractive as a more guaranteed ap than your 'better' profile)
c) worse qualified profiles accept worse terms and are more profitable than a better profile such as wifey
Again the name of the game is
a) reach 'em cheaply
b) reach the easy to convert
c) reach the easy to satisfy
doesn't 'sound' nice but the 'C' and 'D' level candidates are the prize catches because they
a) app
b)respond to the shiny offer
c) bite any bait thrown their way
and best of all 'might' become C+ or B level candidates 'payng' their way there WITH the vendor lucky enough to catch 'em early and cheap.....this is the new
'get 'em early' game since the farming of college kids is over ....now you farm up n comers and create your own prime customers to ignore once they become less profitable but so complacent that they stay anyway....bottom line sub-prime is where the money and attention is, so that's where more offers lay...
