From Gut Instinct To Fact-Based Decisioning
A case study on how Magical Credit accelerated their decisioning and improved business processes with SCORE’s data-driven insights. SCORE...
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Collection Scoring
Trusted for over 25 years by Big 5 Banks, monoline, utilities, and collection servicers, SCORE's collection scores are available through both Equifax Canada and TransUnion Canada.
Unlike conventional credit scores predicting which current customers are most likely to become delinquent over a 1-2 year time horizon, credit-bureau based collection scores are built specifically on past-due accounts identifying those that will cure or pay in a short performance window of 90 days or less.
SCORE offers collection scores across the entire spectrum of the receivables life-cycle for various consumer products, spanning from 1 day past due all the way to dormant debt to support individual consumer decisions (self-cure and high-risk identification, retention and attrition, customer journey analytics etc.), along with portfolio business intelligence (portfolio trending analytics, cross-portfolio comparisons etc.).
Use early-stage delinquency scores for greater precision and enhanced returns.
Orchestrate a customer’s journey within collections to be more predictable and robust. Use our early-stage delinquency scores, developed by SCORE Statistical Consulting in collaboration with Equifax and TransUnion, to maximize the efficiency of your portfolio management strategies and activities, providing the confidence to deploy targeted and robust treatment actions that will improve roll rates, reduce write offs, and optimize resource allocation.
The suite of delinquent debt scoring products enables your organization to prioritize delinquent customers strategically based on their payment propensity — an index of both their ability and willingness to pay. As the credit industry progresses to more finely tuned collection activities, it becomes increasingly important for financial institutions and servicers to avail themselves of insights and tools that improve bottom line results.
Prioritize your late-stage delinquent portfolio and recover more.
Strengthen your recovery strategies and improve your recovery rate. Use our late-stage delinquency scores, developed by SCORE Statistical Consulting in collaboration with Equifax and TransUnion, to rank order your late-stage delinquent customers based on current individual circumstances and ability and willingness to pay, not just by level of delinquency.
Our robust scoring models help clients including credit grantors, service providers (including telecommunications, utilities and media) as well as government and collection agencies prioritize recovery activities and improve bottom line results.
Evaluate portfolio quality and improve recovery curves with scoring specifically designed for dormant debt.
Strengthen your recovery strategies and improve your recovery rate. Use our dormant-debt scores, developed by SCORE Statistical Consulting in collaboration with Equifax and TransUnion, to develop appropriate treatment strategies, optimize recovery resources, and improve bottom line results.
For clients including credit grantors as well as debt buyers, sellers and servicers, our scores and insights help maximize dormant debt management activities, leading to more accurate valuations and more timely recoveries.
Reduce your exposure. Increase the intelligence of your risk management in Financial Services.
SCORE offers trusted models and expert insights to help clients maximize their returns in accounts receivable management. Our toolbox helps clients in financial services improve roll rates, reduce write offs, explore risk-based pricing for outsourcing collections and value distressed debt.
Case studies
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