Equifax Recovery Insights

Providing unique insight into a customer’s payment behaviour on their defaulted debt

Product Overview

Equifax Recovery Insights is our new suite of 50 characteristics and two scores for the debt recovery and collections market, built from post-default balance movement data.

It provides unique insight into a customer’s post-default payment behaviour, allowing you to better assess the collection potential of your customers.

The characteristics, created and held at the person level, are broadly represented through four groups:

  • Payment frequency
  • Payment trends
  • Debt size
  • Payment stability

The two new powerful scores provide advanced insight into:

  • Propensity to pay
  • Amount to recover

The Equifax Recovery Insights characteristics can be used within collections strategies; and by combining the two scores, you can quickly identify and target key segments with appropriate collection treatments.

Equifax Recovery Insights can help you to:

Optimise collections resources

  • Improve customer profiling and segmentation
  • Build a clear picture of your indebted customers
  • Segment those that can or can’t pay
  • Queue prioritisation
  • Manage those accounts likely to continue paying with no intervention

Maximise recovery strategies

  • Optimise collections strategies and treatment of accounts
  • Verify how much and how frequently the debtor is paying off other debt
  • Create the most appropriate payment plan offer amounts

Treat customers fairly

  • Help deal fairly with those customers in arrears or in default and meet regulatory requirements
  • Gain a deeper understanding of your customers’ post-default payment behaviour




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