VantageScore® Solutions’ analysts recently examined how many accounts consumers with prime credit scores typically have in their credit file. Consumers who generally qualify for loans have an average of 13 loans in their credit files, and typically the oldest loan is more than 15 years old.
Source: The Score: How many credit accounts do you need to have a good credit score?
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To maximize limited marketing spend, lenders will need to be more prescriptive to increase response rates on fewer delivered offers.