Supplemental Recovery Score

Some debtors have little or no credit history, but with the TransUnion Supplemental Recovery Score, you can still determine the best way to treat those accounts.

By tracking recent payment trends for similar debtors, and segmenting data by ZIP code, the Supplemental Recovery Score enables you to prioritize your no-hit accounts. Focus your resources on the most collectible debt, while spending less time pursing debtors who can't or won't pay.

Let's say you have a book of accounts that covers three ZIP codes. What if you could see how many no-hit debtors in each area paid at least $50?

ZIP code	Paid $50+
60606	51%
60625	27%
60614	4%

The Supplemental Recovery Score looks at factors such as new-card balance, average credit limit, mortgage delinquencies and more to determine likelihood of payment in each area. Then, you decide how much time and resources to devote to each set of accounts.

No-hit accounts are unavoidable. When they do happen, the Supplemental Recovery Score shows you no-hit payment trends by ZIP code, so you can still set a more effective strategy for those accounts, collect more and spend less.