Mitigating the exposure to risks is a key concern for every business, and our credit evaluation services are designed to help clients do just that.  The provision of timely and accurate credit information for our clients is an important component of their sales work.  By being able to avoid prospective customers with low credit ratings, our clients resources can be used more efficiently elsewhere.

We can also provide detailed recommendations to our clients on whether or not credit should be granted or denied, with interpretations tailored to each particular company.

Furthermore, we can guarantee credit by reviewing credit and charge card applications and guaranteeing the issuer payment if the cardholder does not pay.

Debt Scoring

Intrum Justitia has been building a database of information for over 30 years and this provides the backdrop for our debt scoring system.

Our debt scoring product is a system which contains a number of predictive models with which to determine the likelihood of recovering money owed on any one case.  Information is combined from a variety of sources to provide a score rating which accurately predicts the likelihood of a company or individual to pay.  The system can be used to accurately assess the quality of a portfolio or ledger.

There are a number of benefits to clients:

• Improved forecasting of future cash flow;
• improved decision making of where and when to start new business;
• a valuation of any new business and its future bad debt exposure;
• a prediction of the collectibility of either a client, a sector, or a portfolio;
• an aide to future product design.