These individuals have little access to mainstream financial and credit services offered by banks and are looking for ways to establish and enter themselves into the world of credit.

These are ideal prospects for in-house credit cards, prepaid credit card, payday loans and other pay as you go opportunities.

This file allows you to select by recency, age, income, ethnicity, and lifestyle selects.

%Male/%Female: 35%/65%

Average Age: 54 years old

Presence of Children: 42%