Business

Recover Debt

Gain insight into your customers to better identify the ‘can’t pay’ from the ‘won’t pay’ and develop more effective collection strategies
Debt Recovery And Collections

We can provide unique insight into a customer’s propensity and ability to pay as well as their post-default payment behaviour to support your debt recovery and collections strategies.

Our scores and analysis can help you better understand the propensity to pay as well as the amount to recover. This can help you:

  • Optimise collections resources
  • Maximise recovery strategies
  • Help deal fairly with customers in arrears or defaults and meet regulatory requirements


You can also gain insight into the true impact of debt relative to a consumer’s income to ensure you are treating them fairly in any collections strategies you take or agree with them. Establishing that someone is resident at a particular address can be challenging, but it's necessary if you want to recover your debts from the right individuals and in the right way.

We can help you do this in a compliant, operational and commercially viable way, helping you to increase both your collection rates and your margins. This means you can establish residency with confidence, whether at a last known address or at a trace address and highlight which cases can go straight to collections and which need some further validation or investigation.

By cross-referencing your records with our data and scorecards, we can help you determine whether each debtor:

  • Is paying defaults elsewhere in the industry and how much
  • Has any previous court activity – satisfied or not
  • Is being pursued for debts by other organisations
  • Is actively chasing any other lines of credit
  • Is likely to repay, become insolvent, or go bankrupt in the future
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Providing a quick and flexible way to trace and locate debtors
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To access your Personal Credit Report, visit https://www.equifax.co.uk

To query your Personal Credit Report or get help, visit https://help.equifax.co.uk/EquifaxOnlineHelp/s/

To access your business credit report, download our Business Report form and return your completed form to us via post or email using the information provided on the form.

Send an email to our customer service team via hello@equifax.com and we'll get in touch with you directly.