Experian: ZIP+4 Median Credit Score

ActiveProspect partners with Experian to offer theirZIP+4 Credit Score service directly through LeadConduit.

Experian's "Median ScoreX PLUS Score" service allows you to obtain median credit score data on a ZIP+4 area based on a valid mailing address.

The median credit score for the immediate surrounding area can translate into a block, a building, or single organization.

Experian assigns a descriptive label to the provided lead, based on the bracketing of credit scores: 

Super Prime: 740+
Prime: 680 – 739
Near Prime: 620 – 679
Non-Prime: 550 – 619
High Risk: <550

For example, if the median credit score for a ZIP+4 address is 800, the lead will be assigned a bracket of Super Prime.


What does ZIP+4 mean?

A ZIP+4 code is comprised of the basic five-digit code plus four additional digits to identify a subsection of the delivery area. Common examples of this are a city block, a group of apartments, an individual high-volume receiver of mail or any other unit that could use an extra identifier to aid in efficient mail sorting and delivery.


What lead information is required to return data?

When you submit a lead for enhancement to Experian, there's a number of data points that are required. It's important to note that correct first and last name are not required to return zip+4-based credit score information for the intended lead. However, First and Last name will be sent if they are available.

To receive information from Experian, your lead must contain the following:

  • Street Address
  • City
  • State
  • Postal Code

If for any reason, your lead is missing this information, the Experian step will not execute. This is most noticeable on the event page under the lead information.



Experian receives only the following information from your leads: 

  • First Name
  • Last Name
  • Street Address
  • City
  • State
  • Postal Code


What does 'match type' mean in the integration?

Match Type can be thought of as determining the validity of the data the user provided. One of three values will be returned: 'median level', 'household level' or 'person level'.

When a user sends a bad name and address, but a good zip, the result will be 'median level'. This is because the only data point which can be validated in Experian is the zip. When a user sends a good address, zip and last name, the result will be 'household level'. When a user sends a good name, address, and zip, the match type will be 'person level' which means that the data is valid for all portions of data submitted.

LeadConduit will receive one of the three match types so long as a valid response is received from Experian. Also, note that the values returned from the Experian integration will not vary based on match type. In other words, even if the name on the lead changes, the ZIP+4 median credit score will remain the same when the same address is used. This is because the credit score appended to the lead is based on multiple households within the same ZIP+4 area and not that of an individual.

Below you will find further examples of data which is returned for 'match type'.


Submitted Lead Address: John Doe, 123 Main St., Lido, CA, 95252


Match = median level

Explanation: Credit score returned will be about the ZIP+4 of the above address.
John Doe is not a resident of the specified address. In addition, the address may or may not exist.

Match = household level

Explanation: 'household level' is returned as the match type since the last name of the lead submitted matches the address in Experian's database. The address submitted is known to be a real address within the specified zip code. 


Match = person level

Explanation: The match type is returned as 'person level' because the first and last name matches the address in Experian's databases.




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