Product

Recovery Report Cloud Solution

The Recovery Report delivers key credit insights to boost collections. Improve skip-tracing, assess repayment ability, detect fraud, and prioritize accounts using up-to-date data for faster, smarter recovery decisions
Cloud SolutionCloud Solution
Contact Us
Cloud SolutionCloud Solution

Smarter Collections Through Targeted Consumer Credit Insights

The Recovery Report is a concise, data-driven credit report designed for businesses in the collections industry. It delivers targeted consumer credit insights to improve skip-tracing, assess ability to pay, detect potential fraud, and prioritize accounts for recovery. With key information including identification data, employment details, tradelines, public records, collections history, and inquiries, this report helps businesses locate consumers more efficiently and focus on those most likely to repay. By leveraging up-to-date credit data, the Recovery Report supports smarter, faster decisions and more effective collections.
Improved Skip-Tracing Efforts
Access essential credit data to find debtors faster, boost contact rates, and improve collections while cutting skip-tracing.
Better Determination of Ability to Pay (Liquidity Assessment)
Access open credit and mortgage data to gauge repayment ability, prioritize accounts, and boost recovery and ROI.
Maximizing Collection Efforts and Recovery Rates
Identify likely payers to focus efforts, boost collection rates, and cut bad debt write-offs for better recovery and ROI.
Cost-Effectiveness and Efficiency
Truncated credit reports give collectors key data fast, cutting costs and speeding up workflows with instant online access.
Fraud Identification and Risk Mitigation
Daily-updated consumer data flags fraud and ID theft early, helping businesses prevent losses with timely, accurate insights.

Key Features for Smarter Collections

The Recovery Report is a streamlined consumer credit report designed specifically for the collections industry. As consumer debt and bankruptcies rise, this cost-effective tool helps you focus on individuals most likely to repay. By providing concise, targeted data — including identification and employment information, tradelines, public records, collections history, and recent credit inquiries — it supports faster and more effective skip-tracing. With just the essential credit file details, the Recovery Report enables collections specialists to quickly assess a consumer’s ability to pay and prioritize recovery efforts with greater confidence.

Why the Recovery Report Is a Smart Investment for Effective Debt Collection

The Recovery Report is a purpose-built solution that delivers unmatched value to collections professionals by focusing on what truly matters: speed, precision, and the ability to pay.

Its streamlined format eliminates unnecessary data, offering only the most relevant insights like identification details, collections history, and liquidity indicators such as open tradelines and mortgage activity. With powerful skip-tracing capabilities and integration into Equifax’s broader data ecosystem — including The Work Number®, and other advanced analytics — this report enables smarter prioritization and more strategic recovery efforts.

Backed by a daily-updated credit database of over 245 million consumers, the Recovery Report helps teams reduce time-to-contact, improve repayment predictions, and increase ROI. For collections agencies and recovery teams aiming to work smarter and recover more, the Recovery Report is a clear, strategic investment. 

Frequently Asked Questions

The Recovery Report is an abbreviated credit report specifically designed for the debt collections and recovery industry. It provides targeted consumer credit information to help businesses improve skip-tracing, assess ability to pay, and maximize debt recovery efforts.
 

Unlike a comprehensive consumer credit report, the Recovery Report is truncated and optimized to present only the most relevant data for collections. It focuses on identification, collections history, open credit, mortgage trades, public records, and inquiries, avoiding unnecessary details to promote efficiency for collectors.

This product is ideal for debt collection agencies, financial institutions, lenders, healthcare providers, utility companies, and any business with a need to efficiently recover outstanding debts and manage delinquent accounts.
 

The report provides crucial identification information (names, addresses, SSN, DOB) from credit files, along with advanced search and matching logic, to help you accurately locate debtors who may have moved or are otherwise difficult to find.

The report provides insights into a consumer's financial liquidity by detailing open credit accounts and the presence of mortgage trades. This allows you to better gauge a debtor's current financial capacity to repay, enabling more effective collection strategies.
 

Related Resources

Product Sheet
582 KB
Product Sheet
Recovery Report
Product Sheet
NA

Use Alternative Data to Evaluate Credit Risk

Lend with greater confidence. Expand your reach and boost approvals by 20% with alternative data, and reduce unscorable customers by up to 60%.

Start Approving More Applicants Today
Anchor Text

Need Help Deciding?

Connect with our sales team today to get a product consultation.