The Benefits Of A Database Nation

Amidst all the angst about loss of privacy in the modern age (a little amusing, considering what a modern invention privacy is), Declan McCullagh has an interesting article on the unsung good things about having your name in databases in this month’s Reason (the one with the customized cover that shows an aerial view of the subscriber’s neighborhood).

One part of the article puzzled me though:

MBNA grew to more than 51 million customers through its aggressive “affinity” program, which let a number of groups — NASCAR, universities, the Atlanta Braves, and so on — market credit cards imprinted with their own logos. Not counting its existing customers, in 2000 MBNA had a database of 800 million names of prospective cardholders provided by affinity groups, but it could afford to send only 400 million solicitations.

Writing in the Duke Law Journal in February 2003, Indiana law professor Fred Cate and Georgetown business professor Michael Staten described how MBNA winnowed its list down to an affordable size through aggressive information sharing. MBNA first looked at public records and then, by exchanging information with its affiliates, tried to evaluate the creditworthiness of the remaining names on the list. The remaining 400 million people received solicitations with the endorsement of the affinity group to which they belonged.

In what country did this take place? Is this worldwide? The population of the US is around three hundred million, last time I checked, and many of them are of insufficient age to be eligible for credit. Where did they come up with eight hundred million names?