Many portfolio characteristics possess Multi-Cultural and Multi-Ethnic debtors and – as such – you need to build an infrastructure that supports the needs of the debtor. There is no, single, magic elixir that will get every debtor to pay their debt. It is therefore imperative that you incorporate many techniques that will aid the collector in the collection effort.

Use of data analytics will help you manage your portfolio through looking at underlying portfolio risk trends and collection predictability analysis. It will help aggregate efficiencies in your portfolio management tasks as well as help the collector determine the debtor’s ability to pay. Collectors will be enabled to assess the most appropriate payment method and motivational approach to get the account paid as quickly as possible; and reduce the number of complaints. There are several indexes and scoring options that we can help personalize for your various portfolios.

• Locatability Index is used to manage the flow of skip accounts into collector and skip tracer inventories, and to identify predictive dialer strategies to support the skip tracing program. It identifies those borrowers who most likely can immediately be located and contacted (thereby having a “high locate probability). It will also identify those borrowers that require additional skip tracing efforts before they can be located and contacted.
• The Collectability Index is important for determining the borrower’s true ability to pay. It is primarily used as a resource that will identify potential resolution options based upon the borrower’s ability to pay, in particular, it points out borrowers who have the potential for payment in full or compromise settlements.
• Income Scoring or Standard Economic Modeling (SEM) score provides the median income in any given ZIP code or region based on Census Data.
• ZIP Code Analysis provides the portfolio manger with a score of 0 to 100 indicating the likelihood that the debtor is at the current address listed on the request. The information contained within the postal data base provides a ranking of "locatability" based on the number of times address changes have been issued by the United States Postal Service. Income Scoring or Standard Economic Modeling (SEM) score provides the median income in any given ZIP code or region based on Census Data.
• Ability-to-Pay scoring model enables you to look at recent transaction of the debtor's public credit file, recent payment habits, number of inquiries, and a certain amount of student loan related information and conclusions, to establish a calculated ability to pay analysis. This analysis only looks at the debtor's monthly payments reflected on the public record and incorporates average monthly cost of living amounts. It also identifies and incorporates those debtor who are seeking additional credit agreements whether or not these attempts are successful.
• Credit Score Indexing enables the portfolio manager to identify debtors that have ability to enter into new credit arrangements and those who may be able to obtain second mortgages to become current on their Nevada child support obligations