IXI™ SERVICES

Industry Focus

IXI's foundation of direct-measured assets produces powerful solutions for firms that target U.S. investors and consumers

Collections and Loss Mitigation
Strategies to Maximize Collections and Minimize Losses

How is your firm assessing the ability of delinquent consumers to meet their financial obligations?

With the number and dollar value of delinquencies rising across the board, it’s critical for collections firms and departments to be able to effectively assess the likelihood of collection for individual borrowers or portfolio segments and determine which accounts to aggressively pursue, which to write off, and which to sell.

New Tools to Prioritize Delinquent Accounts

IXI’s Ability to Pay Solutions offer a set of financial and economic filters that estimate a household’s financial capacity to pay their debt obligations.

While existing collections strategies that rely on credit scores and income and asset estimates can only provide a view of past behavior (i.e. historical tendency to pay on time), IXI’s Ability to Pay Solutions enable firms to understand a customer’s current ability to pay, as they project a customer’s existing financial resources.

IXI’s Ability to Pay Solutions are modeled from multiple sources, including summary factors produced by IXI’s proprietary database of consumer investable assets. The foundation of this database includes anonymized directly-measured assets gathered from over 95 leading banks, securities, and insurance firms.

Our Ability to Pay Solutions can supplement and enhance your firm’s existing collection treatment strategies to help you better prioritize delinquent accounts based on consumers’ likely ability to pay their debts. Learn more about our Ability to Pay Solutions: Ability to Pay Index, Income360, Comp360, DSI, DS$, and CreditStyles Pro*.

As you develop treatment groups, consider IXI’s household segmentation systems to help you fine-tune your communications to your target audience. IXI’s segmentation solutions include Financial Cohorts and Economic Cohorts.

Market Analytics: Assess Market Health

IXI’s market analysis tools can enable collections firms and departments to better understand the credit health of target markets and the credit behaviors of consumers in those markets. With CreditMix, firms can better determine market size and share of total outstanding credit behavior within target markets and gain insights on how financial shifts affect customer segments.

Learn more about how IXI’s solutions can help your firm.

*IXI’s products were neither developed for the purposes of, nor intended to be used for, the extension of credit to any individual, nor should they be used for purposes of determining an individual’s creditworthiness or for any other purpose contemplated under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.