How we quote,
and what moves it

Cost per record moves with exclusivity, age, filter tightness, and volume. Exclusive fresh data in a narrow box sits at the top of the range; aged shared data at the bottom. We quote against your actual lender box on the call rather than publishing a rate card that will not match what you need.

Orders start small enough to test a vertical before committing budget. Pricing improves with volume and with ongoing programs rather than one-off pulls. The exact minimum depends on how tightly filtered the request is — a narrow single-state, single-vertical box has a different floor than a national pull.

Both options exist. Exclusive records are suppressed permanently from every other account, so no other shop receives them from us. Shared records cost less per unit and go to a limited number of buyers. Exclusivity is chosen per order, and territory or vertical locks can be arranged on ongoing programs.

Hard bounces and invalid records inside the agreed window are replaced, not argued about. Report them in bulk and the credit is applied to your next pull. What is not covered is a merchant who is simply not interested — that is a normal outcome of outbound, not a data defect.

Standard pulls typically deliver within one business day of the box being confirmed. Custom builds and large appends take longer depending on match volume. Managed campaigns need a warmup runway before real sending begins, so plan two to three weeks from kickoff to meaningful volume.