Collection Scores

Use our advanced data solutions to locate debtors more easily and make collections more profitable

Whether you're an in-house credit department, third-party agency or debt buyer, we can provide you the powerful data solutions to help make collections easier and more profitable. Our strategies combine a complex database of credit-active consumer information with advanced search tools to simplify how you locate people, reduce operational expenses and increase revenues.

Applications

In collaboration with TransUnion, SCORE Statistical Consulting, a leader in collections scoring and modeling, brings you a wide range of scores to help assess the likelihood of debt repayment. SCORE’s experience in accounts receivable management, combined with TransUnion’s dynamic and comprehensive consumer credit database, provides unique in-depth consumer risk and payment behaviour measurements.

Early Stage Delinquency Scores

The early stage delinquency scores enable you to segment and prioritize select accounts by probability of payment, which will strengthen your recovery strategies and improve your recovery rate. With the early stage delinquency scores, you can rank the delinquent customers based on current individual circumstances, ability and willingness to pay, and level of delinquency. Lenders can use these insights to develop appropriate treatment strategies, make better use of resources and improve recoveries.

• 30-day and 90-day Financial Institution Delinquency Scores for bankcards and non-bankcards
• 30-day and 90-day Retail Delinquency Scores for loans and cards

Late Stage Delinquency Scores

Late Stage Delinquency Scores allow you to prioritize your late-stage delinquent customers based on current individual circumstances, ability and willingness to pay and level of delinquency. Our delinquency scores evaluate the probabilities of an account making a minimum $25 payment within a 90-day period. Collection agencies can use this insight to develop appropriate treatment strategies, make better use of their resources and improve recovery.

• 150-day Delinquency Score for financial services and retail cards
• 180-day Delinquency Score for financial services and non-financial services

Dormant Debt Delinquency Scores

Prioritize your dormant debt and recover more with Dormant Debt Scores. These unique scores enable you to evaluate the probability of any 360+-day account making a minimum $25 payment within 90 days (version 1), or 9 months (version 2). The dormant debt scores were developed exclusively with delinquent accounts more than one year in arrears, across numerous industries including financial services, retail and telecommunications, and matched to the TransUnion credit bureau database to predict recovery probability. Collection agencies and debt buyers can use this insight to develop appropriate treatment strategies, make better use of their resources and improve recovery.