Real-time leads are delivered after capture for prompt follow-up. Aged leads are older than 24 hours and purchased in bulk by age tier. Both need consent review and program screening. Choose based on staffed follow-up, budget and your own measured cost per enrollment, not an invented conversion benchmark.
| Buyer consideration | Real-time records | Aged records |
|---|---|---|
| Timing | After capture and matching | Older than 24 hours |
| Pricing | $15–$35 shared; $35–$95 exclusive | $1–$8 by age tier |
| Purchase | Matching campaign delivery | Bulk marketplace; 25-lead minimum |
| Privacy | Full purchased record | Masked until purchase |
| Screening | Verify reported debt and intent | Also reconfirm current circumstances |
Use actual CPL, contact rate and enrollment rate in the ROI calculator. A lower purchase price or a phone conversation does not establish a lower cost per enrolled client. Keep separate campaign reporting and choose only the services your team is qualified to provide.
Sign up, add a card, set your filters. No contracts, no sales calls.