We constantly perform analysis across all of our files and processes. This allows us to keep informed of any minute changes to be able to continuously review and improve.

We use this analysis to:

• Determine how we communicate with your customers
• Give you an expected return on your investment
• Forecast how long accounts will take to repay

Before starting any communications with new customers, we first analyse their account and give them each a score to determine their propensity to pay and what the expected value of their account is. We can also use this information to advise you of your expected return on investment.