Skip Locate Solutions

NEW! FirstSearch with Portfolio Monitoring continuously monitors your collections portfolio for name changes, new addresses and/or telephone numbers on those consumers who are hard to find due to unavailable, inaccurate or outdated information.

• No set up costs
• No monthly minimums
• Pay only for data hits

• Increase recovery rates by locating hard-to-find individuals before other collection entities make contact
• Expedite locate processes by accessing unique, current consumer contact data
• Streamline collection processes and realize greater efficiencies with simplified access
• Decrease costs by paying only when contact data is delivered

Credit Report Solutions

NEW! Recovery Report is an abbreviated credit report, tailored specifically for the collections industry, that helps you improve your skip-tracing efforts and better determine a consumer’s ability to pay.

• Use when a full credit report is not needed
• Improve skip-tracing efforts with access to the consumer information in credit files that collections specialists need most
• Better determine a consumer’s ability to pay with information on open credit, the presence of mortgage trades and other credit data reflective of liquidity.

ACROFILE Plus delivers current and comprehensive credit information by searching a national, online database of over 200 million consumer credit files.

Continually updated information; advanced database search techniques

• Returns the full credit file
• Verify demographics
• Assess financial situation
• Formulate payment plans
• Identify deceased/bankrupt consumers

DTEC searches the consumer credit reporting database on Social Security number only, returning identification information on up to four identities in one search.

• Locate credit file when current address is not available
• Decrease reliance on Directory Assistance with optional telephone numbers
• Provides protection from attempted fraud or input error
• Reduce delayed claims on Day 1 / Early Out accounts

Account Review Solutions

Automated Collection Transactions (ACT) is a single-source solution for contact and decisioning elements that incorporates "best practices" bundling of key credit file data attributes in an off-line environment to more accurately segment accounts.

Includes fraud/high risk alerts, deceased and bankruptcy data.

Integrates with selected collection software platforms

• "Pick and choose" from a menu of credit file attributes
• Choose from a selection of recovery, income and industry-specific scoring models
• Improves data hygiene on existing accounts
• Refine collection strategies
• Improve margins
• Use Data Archive Analysis to pinpoint which score is most effective on your accounts for inclusion in ACT

ProScrub is an automated process that scrubs portfolios, identifying deceased and bankrupt consumers up-front before you deploy collection resources.

Includes bankruptcy filing date, status and type

• Allocate resources appropriately with proactive cleansing of your existing portfolio
• Prioritize collection efforts based on recovery potential
• Designed as a complement to other debt recovery solutions

Data Archive Analysis validates which scoring model is most predictive on your account portfolio and provides a ready-to-implement score cut-off strategy using odds charts.

Provides a dedicated analyst resource

• Baseline for use of scoring
• Identify/accelerate collectible dollars
• Coordinate income and recovery score strategies
• Evaluate client portfolios more effectively
• Set client-specific collection strategies
• Effectively negotiate client contracts
• Use as loss-forecasting tool and/or compliance tool

FINDERS is a credit report designed specifically for the collection industry, providing the most valuable skip-locate elements from the Equifax credit report.

Provides names and telephone numbers of creditors reporting new activity or inquiring on the consumer.

• Locate skipped debtors by contacting other creditors reporting or inquiring on the consumer
• Decrease reliance on Directory Assistance as telephone numbers are provided when available
• Identifies bankruptcy so you can cease collection efforts

RE-APPEAR is a passive, automated service that monitors your flagged accounts and provides electronic notification within 24 hours of new activity.

Available with optional score and bankruptcy data

• Locate skipped and financially-rejuvenated debtors with daily monitoring using agency-selected criteria
• Provides alternative to "close and return"
• Save money by paying only when a hit occurs

Scoring Solutions

Income Predictor 2.0 estimates an individual's income and returns a three-digit income value.

Based on a national sample of self-reported and verified income data.

Individual-level versus Census Bureau family level.

• Prioritize collection efforts based on capacity to repay versus willingness to repay
• Overlay with a financial recovery score
• Use as a forecasting tool

Recovery Index identifies early stage accounts with the highest repayment potential to maximize recovery.

• Ideal for first and second placement recovery accounts
• Evaluate payment potential effectively
• Identify deceased/bankrupt consumers
• Contact the most collectible accounts first
• Set and modify cut-offs for different actions
• Use as a forecasting tool

Recovery Score Late Stage predicts the likelihood of 50% or greater repayment on tertiary accounts during a 12-month period.

• Ideal for tertiary recovery accounts
• Evaluate payment potential effectively
• Determine work flow strategies and allocate resources appropriately
• Identify deceased/bankrupt consumers
• Set and modify cut-offs for different actions
• Use as a forecasting tool

Payment Predictor for Healthcare predicts the likelihood of patient payment on the self-pay portion of medical expenses.

• Assess/diminish self-pay risk
• Isolates payment potential from no-pay candidates
• Aids in identification of possible Charity Care patients
• Formulate equitable payment plans
• Use as a forecasting tool