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Businesses Providing Trade Credit

Managing credit and collections cost-effectively has never been more critical than in today’s economic times. Companies are dealing with resource constraints and more and more accounts are paying slower, leading to more accounts in collections, which produce rising costs, and higher DSO and write-offs. Companies such as RR Donnelly, Edward Don, Performance Food Group, and Lennox are focusing on maintaining portfolio quality by keeping cash flow steady through early identification of risk. These companies are utilizing PredictiveMetrics’ industry/finance specific statistical-based portfolio scores for credit and collections management are experiencing reduced DSO, lower delinquencies and losses, increased cash flow and cost reductions through optimal resource allocation.

Portfolio Credit Management and Early Stage Collections

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, order release, and calculating bad debt reserves.

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

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.

PriorityScore for Collections^SM Powered by PredictiveMetrics – Industry specific late stage collection scoring models that combine Experian’s credit data with the client’s account level data on the debtor – segmented by debt type, age, and balance. Predicts expected payment amounts and probability of payment from consumers or businesses with the capacity to pay. Customers use the scores to segment and prioritize accounts based on cost, effort, and impact.


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