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Companies continuously deal with the demands to keep productivity up, costs down, and in many cases have limited resources. Delinquencies and losses are at an all time high, resulting in slowing cash flow. International bureau data is sparse and global risk and collection scores are generic and developed for use on new customer decisions making it harder for portfolio credit management and all stages of collections (early, late, bad debt).

Companies, such as GE Equipment Services, Bermuda Electric, Agricore, Canadian National Railway, etc. have leveraged their internal account performance data using PredictiveMetrics’ scoring models to successfully manage credit lines, repeat transactions with existing customers and prioritize collections. These companies and other clients are realizing a significant improvement in cash flow and a dramatic reduction in operational costs while expending their limited resources and personnel most effectively. There is no issue with bueau “no-hits” when you utilize your own account data.


Portfolio Credit Management and Early Stage Collections


Late Stage Collections, Debt Selling, Agency Management,
and Collection Agencies

Portfolio Credit Management and Early Stage Collections

CollectionStrategyScore^SM - Consumer (B2C) portfolio management model for credit and collections that predicts the risk of any consumer becoming severely delinquent, going to loss or bankruptcy over a six-month period. Designed for more cost-effective collection prioritization, credit line management, repeat transactions with existing customers, and calculating bad debt reserves.

FinancialRiskScore^SM – Commercial portfolio credit and collection management model for banks and financial services companies for commercial credit cards, installment loans and lines of credit. Predicts the probability of severe delinquency (you determine bad definition) or loss at some point between six and twenty-four months from the date of the score.

LeaseRiskScore^SM – Commercial portfolio management model for credit risk and collection prioritization that predicts the probability of severe delinquency (client determines BAD definition) beyond terms or loss for leasing/loan installment with monthly or quarterly payments. Customers use the scores for more cost-effective collection prioritization, lease line management, repeat transactions with existing customers, and calculating bad debt reserves.

Net30Score^SM – Commercial portfolio management model for credit and collections that predicts the probability that a GOOD paying customer will become BAD (client defines bad definition) at some point during the next six months for trade credit, primarily Net/30, 10-day terms, but can be adapted to handle almost any terms. Customers use the scores for more cost-effective collection prioritization, credit line management, repeat transactions with existing customers, and calculating bad debt reserves.

UtilityScore^SM – Portfolio management model designed for collection prioritization and determination of deposits. The model predicts the probability that a GOOD paying customer will become BAD (client defines bad definition) at some point during the next six months for residential and industrial and commercial accounts for electric, gas, water, and telecommunications companies. Customers use the scores to rank order collections, calculate bad debt reserves, and determine deposit amounts for existing customers.

ScoreMiner^SM - Web-based credit and collection scoring, data mining, report and query system that leverages the predictive power of PredictiveMetrics’ industry/finance specific and custom portfolio scores. Customers use ScoreMiner’s various filtering and reporting capabilities to review and analyze information, to measure credit and collection performance and provides detailed information and graphical analysis by risk class and credit risk change over time.

Late Stage Collections, Debt Selling, Agency Management,
and Collection Agencies

CardCollectionScore^SM - Consumer and commercial collection models for bank, retail, credit, and charge cards that predicts the expected value of an account and propensity to pay the late stage delinquent obligation, charged-off debt or accounts placed for collection through tertiary and beyond. Customers use the scores for determining which accounts to keep, sell, or outsource for agency management.

MedicalCollectionScore^SM - Score patients from “day one” after treatment, late stage delinquency, charge-offs and accounts placed for collection through tertiary and beyond. This collection model uses payment behavior specific to medical debt, age, and balance among other features providing collectors with the unique ability to predict two outcomes. The first is the traditional probability that a debt will be paid in a given amount of time, while the second is a prediction of the amount that will be paid. Customers use the scores to develop prioritization strategies early stage collections to determine who will likely go severely delinquent and who will self cure; for late stage collections to determine which accounts to keep, sell, or outsource for agency management; and for agencies to determine who will pay and how much will be paid through tertiary and beyond.

UltraCollectionScore^SM – Consumer and commercial collection models that predict the expected value of an account and propensity to pay the delinquent obligation – specific to debt type, age, and balance among other features. Our customers use the scores for determining which accounts to keep, sell, or outsource for agency management.

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