Reach consumers who asked to combine unsecured debts into one payment, with loan prospects and program prospects in separate files, filtered by credit, balance and state.
The Federal Reserve's G.19 consumer credit release puts US credit card balances above $1.1 trillion, and every one of those balances comes with its own due date, rate and minimum payment. A household juggling several cards, a personal loan and a medical bill searches for the obvious fix: combine it all into one payment. That search is the demand behind debt consolidation leads. The catch is that the same words describe two different products, and buying them as one file is a reliable way to waste dials.
A consolidation loan prospect is a credit-qualified borrower who can be approved for new credit that pays off existing balances. If you are a lender, credit union or fintech originator, that is your buyer, and credit tier and balance range have to line up with your underwriting before the phone rings. A consolidation program prospect wants one managed payment but may not clear a lender's credit bar. If you run a debt relief company, that is your buyer, and you need enough unsecured balance to justify enrollment while you work a wider credit band.
We build the two files separately. Starting from consumers who raised a hand about combining debt, we apply your credit band, estimated balance, debt type and state through our 300+ custom data filters, so you receive only records your offer can serve. Starting from intent matters: fresh verified files average a 42% contact rate against an 18% industry norm for recycled data, and a compiled list can tell you who owes money but never who wanted to act.
Consolidation is a consultation sale, and the consumer is deciding whether to trust you with their finances. Every phone record is DNC-screened with consent documentation, so your team starts the conversation on solid ground. If your offer is negotiated payoffs rather than consolidation, see our debt settlement leads. If you run counseling-led repayment plans, see our debt management leads.
Lender prospects and relief-program prospects ship as separate files with separate specs, so your lending desk never dials a program-bound consumer and your program desk never fields a rate shopper.
Set a credit floor that matches your underwriting if you lend, or open the band if you enroll. The filter is applied before delivery, so your agents are not working borrowers you would decline.
Choose a minimum and a maximum estimated unsecured balance so each record fits your loan sizes or your program economics. Balances are estimates, so treat them as a range to qualify, not a number to quote.
A compiled list shows who owes money. An intent record shows who asked about combining it, and that request hands your agent an honest opening line for the first call.
Operating rules for lenders and relief providers vary by state. You name the states where you are authorized to work, and we deliver only there.
Phone records are DNC-screened with consent documentation. Files carry an 85% SNS verification pass rate and a 100% accuracy guarantee, with replacements for verified bad records.
Decide which buyer you are before you request a count. Write a one-page spec covering loan or program, credit band, estimated balance range, debt types, states and format, then send it through our contact page for a count and quote. Match the format to the buyer: live transfer or real-time exclusive for loan prospects who may be comparing lenders, and a targeted list or aged file for program outreach where you control the cadence.
Order a small batch before you commit volume. Track loan files and program files separately through contact, consultation and funded or enrolled stages, because blending them hides which spec is working. Hold your credit and balance filters steady during the test and change one variable at a time. Judge the batch on cost per funded loan or enrolled client, not cost per lead.
On the call, open with what the consumer asked for, confirm the debts they want to combine, and explain your path in plain terms: an application for a loan, or enrollment in a program. Do not promise approval, a rate or a savings figure, because you cannot know them yet. Say what happens next, let the consumer decide, and if another option fits better, say so. Write your scripts as if the CFPB, the federal consumer-finance regulator, will read them.
Keep fees and consent clean from day one. The FTC Telemarketing Sales Rule restricts advance fees for debt relief, so keep program billing language away from your loan scripts. Before your first dial, run the file against our lead buyer TCPA checklist. FCC TCPA rules cover prior express consent for autodialed or prerecorded calls to cell phones, and the FTC runs the National Do Not Call Registry. We document consent on every phone record, while your dialing practices remain yours. This is operating guidance, not legal advice, so have counsel review your state list.
| Format | Cost | Conversion | Best For |
|---|---|---|---|
| Live Transfer | $$$$ | Highest | Lender or program closers who want a qualified consumer on the line now |
| Real-Time Exclusive | $$$ | High | Loan prospects who may be comparing lenders and reward the first good call |
| Targeted Data List | $$ | Moderate | Outbound campaigns built on credit, balance and state filters |
| Aged 30-90 Day | $ | Volume play | High-dial floors working a large pool at a low cost per record |
Credit card balances: Federal Reserve G.19 Consumer Credit. Debt relief advance fees: FTC Telemarketing Sales Rule guide for business. Consumer guidance on consolidating card debt: Consumer Financial Protection Bureau.
Every record carries the contact basics: name, a DNC-screened phone number with consent documentation, email, state and ZIP, and the date the inquiry came in. Use the date to set your dial order, freshest first.
The financial fields do the qualifying: estimated unsecured balance, debt type, number of card accounts, a credit band indicator, and income and employment status. Lenders lean on credit band, income and employment. Program desks lean on balance, debt mix and card count. Qualify every estimate on the call before you quote anything.
Use the fields as rules, not suggestions. Write reject-on-sight criteria into your dialer for states outside your footprint, credit outside your band and balances under your floor, and log the reason for every rejection. If a record fails verification, send it back so it can be replaced under our accuracy guarantee.
Contact us today to get a free count and quote. Quick delivery, competitive pricing, and unmatched quality.
Contact Us →A debt consolidation lead is a consumer who asked to combine several unsecured debts, such as credit cards, personal loans or medical bills, into one payment. Whether the lead is a loan prospect or a program prospect depends on credit standing: lenders want borrowers they can underwrite, while relief programs work consumers who may not qualify for new credit.
Loan prospects are credit-qualified borrowers a lender can consider for new credit, so credit band, income and employment matter most. Program prospects want one managed payment and may not clear a lender's credit bar, so estimated balance and debt mix matter most. We build the two as separate files so each desk dials only the consumers it can serve.
Yes. Operating rules for lenders and debt relief providers vary by state, so you name the states where you are authorized to work and we build the file around that list. Confirm your authorization in each state with counsel before you dial.
Recycled data has been worked before, and phone numbers and balances drift over time. Our fresh verified files average a 42% contact rate against an 18% industry norm for recycled data. Consumers comparing consolidation options act on a current request, so reaching them while that request is fresh matters more than list size.
Nothing about approval, interest rates or savings, because none of those can be known before underwriting or enrollment review. Agents should confirm what the consumer asked for, explain the process, state fees in plain words and let the consumer decide. Treat this as operating guidance, not legal advice, and have counsel review your scripts.
Four formats: live transfer, real-time exclusive, targeted data list and aged 30-90 day files. Live transfer and real-time exclusive suit loan prospects who may be comparing lenders, while targeted lists and aged files suit program outreach where you control the calling cadence.