TBI is on the cutting edge of applying technology solutions to optimize a very dynamic collections process. By working smarter, not harder, our representatives are supercharged with extremely targeted, highly qualified information that makes every call count.

Our system of record is Latitude, a state of the art collections package that serves up a productivity-enhancing look at each account in the system. And thanks to a sophisticated analytics process, Latitude becomes a powerful tool for up-to-date information, strategic plans for best call times, metrics for ability to pay, and many other important factors.

TBI leverages the power of our predictive dialer - fully integrated with Latitude- to achieve a high level of success with reaching debtors, making connections, and collecting dollars. Using a strategic mix of automated calling and predictive campaigns with our representatives, in a single day we can reach thousands and thousands of debtors. It's the perfect example of technology at work; when people talk and make arrangements for settling their debt, it's a win/win solution for the debtors and for TBI and it's partners.

TBI is also very aggressive with developing customized in-house solutions to augment our system of record. Our NPV Calculator utility takes settlements to a new level, far beyond flat percentages. Instead, our utility takes into account the proven factors that presage debtor compliance, such as credit score, the size of the balance, and others. The result is a “right-sized” settlement arrangement that is fair both to the debtor and to the debt holder – a repayment plan that is fair, achievable, and likely.

Another utility, Faxx, examines information from credit bureaus, the debtor’s credit experience and present “credit snapshot,” applying the data to a complex array of descriptors that suggest to the representative how to find the right combination of resources for the debtor to satisfy his or her obligation. In many cases, there are options available that a debtor would not know even existed, and Faxx is very good at suggesting options and helping chart the proper course.

In our analytics group we have developed a number of tools that leverage the power of scoring, qualitative analysis and valuation. Each of these utilities enables us to look deeply into the facts, producing high quality decisions ranging from how accounts will be classified and worked, to making sound business decisions regarding purchase and sale of accounts. Each one is tightly integrated into our business models to optimize the entire collections process, from purchase -- to paid in full.

At TBI, we’re all about working smarter, not harder, and our commitment to technology is one reason why we can do it.