Maybe what you need is a different goal, or rather, a segment of your big goal- something like seeing how much higher you can get your credit score and how much money you can save in 90 days?

You're in the solutions business and each market segment will have different triggers.

I call this a "heads up" letter.If mailed sufficiently well in advance of sale, I'll receive a number of nixies that I can skip-trace or reverse engineer to either find the owners or buy the lenders note and decide my best play forward.Second letter might contain some special message or attention getting device to encourage that letter gets opened and read and generates a lead call (call-to-action, also know as a CTA).Time permitting, I might segment the list further and create highly targeted, specialized letters that address a host of problems unique to their situation, which I call a "Perfect Storm" letter.Ultimately, my objective is to out-spend and out-research you as my same business rival.

However, there are segments and markets where you can get in with middle class bank accounts.

Extensive experience in creating high-impact campaigns & partnerships across platforms & audience segments.

We don't deal with low end MF but gut feel is that segment is still in demand.  

My employer recently did an IPO on my segment of the business.

You can then use that action as a trigger for your sales efforts, or to move the subscriber into a different marketing segment or list.

Granted, I work primarily in the $250K and below market, and every segment is different, but from what I'm seeing, this year is going to be another record year.

Targeting a different segment than you are but pretty honed in.