Smart Trac

Assess "collectability" so that you can prioritize efforts for the highest return.


A convenient, reliable and dynamically updated “collectability” score that returns results on 95%+ of submitted consumers (including thin/no-hit credit histories). The Smart Trac score is continually monitored and updated over time.

Designed for collection professionals Smart Trac allows users to submit consumer and collection account information and then receive in return an ‘ability to pay’ score, ‘dollars at risk’ balance and consumer stability assessment.


Smart Trac assesses consumers using 135 attributes from the most unique non-traditional and traditional data sources in the industry including:

  • Short term lending
  • Alternative credit histories
  • Positive and negative ACH payments
  • Online consumer transactions
  • Public record
  • Demographic data
  • Proprietary MicroBilt data sources

A sophisticated analytics algorithm then compiles and scores this data to determine ability to pay and overall stability of a consumer.

As data on a consumer changes based on reports back on collection efforts, the individual’s score and profile in Smart Trac update automatically. This ensures the currency and relevance in predicting the outcome of future collection efforts.


Collections professionals across industries use Smart Trac to segment and prioritize their recovery efforts based on the likelihood that they will be able to collect and the estimated value of the collection.

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