Risk-Based Pricing Program

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.

Early-Stage Delinquency Debt Management Scores

Equifax Early-stage Delinquency Scores

Transunion Early-Stage Delinquency Scores

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.

Late-Stage Delinquency Debt Management Scores

Equifax Late-stage Delinquency Scores

Transunion Late-stage Delinquency Scores

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.

Dormant Debt Management Scores

Equifax Dormant Debt Delinquency Scores

Transunion Dormant debt Delinquency Scores

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.

Optimizing Arm In Financial Services

SCORE has helped us review our agency outsourcing. The SCORE team developed a strategy on how to maximize returns, and introduced us to top performing partners in the market. Through the modeling process, we were able to get a lot clearer on what we needed to do, and we were certainly pleased with the 20 percent lift in returns.

Director of Collection, Schedule 1 Chartered Canadian Bank

Proven results.

We have worked on multiple scoring validation projects with SCORE Statistical over the past several years, and they have always delivered on time and at a more detailed level than required. Their flexibility and ability to take on projects on short notice allows us the flexibility to manage our internal resources and projects more effectively.

Thomas Higgins, Director of Credit Risk & Fraud, PC Financial

Proven results.

Since we were new to debt sales, as we began to explore the market to gain a better understanding, we turned to SCORE for their expertise in the field. It was a big plus because they were able to share their knowledge and industry best practices with us. They guided us through the entire process, from data capture to valuation, from optimizing the portfolio's value and taking it to market.

VP Collection and Fraud Management, Schedule 1 Canadian Bank

Proven results.

We are fortunate to have a true business partnership with SCORE, as we have openness and effective communication, and there are no hidden agendas. When others come in to pitch us occasionally, it only reinforces our belief that we’ve already found the best solution in SCORE.

President, Collections Agency

Proven results.

Working with SCORE was a pleasure since there was always an open, honest dialogue. When challenged with a new issue, the team came back with a matrix that provided the best possible data. SCORE also made referrals into certain opportunities that we weren’t aware of, giving us access to new markets and also giving the seller access to more potential buyers. Our relationship with SCORE proved to be very helpful for our business.

Former President, U.S. Debt Buyer

Proven results.

Call (416) 861-1217 to get started...

...or complete this form and let us show you how to maximize returns in accounts receivable management.