The Birds of a Feather - 4 Low Income Segments are perfect for catalogers that lead with credit offers, prepaid and subprime credit cards, credit repair, payday loans, direct to consumer insurance offers and retail offers, to name a few. Since the file was developed using aggregated credit statistics defined at the zip+4 level, (approx. 4-10 households) pre-approval is not required. The lists have been segmented at the individual level according to age, income, presence of children, homeowner/renter, shopping habits and shopping channel.