1. BK List     Features/Information     File updated weekly via all courthouses in US BK Chapter 7 or 13 are available No bureau is pulled (thus no credit score or other credit information is available) Approximately 35% of BK customers buy a vehicle within 30 days of BK discharge in order to begin re-establishing their credit The BK list is most commonly used with an offer of credit, but can be used with any mailer     Suggestions/Comments     Generally, newer BK's draw better than BK's over 1 year old Pre-discharged BK's are solicited less frequently than discharged BK, but dealers need to either have a finance source for pre-discharged BK or will need to hold the contract until the BK is discharged before funding         2. Pre Approved List     Features/Information     This is a custom list based on the CPS finance program criteria File is built by Experian and updated every 30 days Dealer can specify "high/low" range of desired FICO score Selected Criteria No multiple BK or open BK No multiple repo or repo less than 1 year old No heavy current delinquent credit No currently delinquent mortgage This list must be used with an offer of credit mailer     Suggestions/Comments     This list spans the credit spectrum from First Time Buyer to mid level "non prime" customer Because this list is pulled from a CREDIT bureau, income and job time filters are not available         3. Pre Qualified List     Features/Information     This is a credit bureau list from Equifax Available filters include: Beacon score Presence of auto or repossession Presence of BK Time in bureau Number of open trade line     Suggestions/Comments     CPS has set a "standard package" list of criteria for a mid level sub/non prime buyer This list is used with an offer of credit mailer         4. Resident/Occupant List     Features/Information     No credit bureau pull Lists can be filtered in many ways: Automobile owners: year, make, model (some or all) Customer profile: age, income, residence type Modeled credit score: Prime (660+), Non Prime (620-659), Sub Prime (540-619), Credit challenged (less than 540     Suggestions/Comments     These lists can be used to target specific types of vehicle owners for "loyalty" type of sales events