Technology

Highly successful collections require unique techniques from advanced operating systems.

Collection Operating Platform

American Capital has opted to have its IT operations hosted for maximum efficiency.

What this means is that an outsourced IT solution allows our firm to concentrate on the paramount objective --- service and recoveries.

Our dedicated IT firm responds faster and more efficiently on special requests than any in-house agency tech can do on “home grown” software.

Selectively, we have chosen SourceCheck, LTD, a 40 year company providing integrated collection management systems since 1968. Our firm has contracted with SourceCheck since 1976. They consistently offer us new and creative programs for enhancing recoveries.

Through SourceCheck’s Genesis system, we manage every aspect of our collection effort, tailoring collection strategies through the use of comprehensive management tools.

Genesis also provides integrated skip tracing and credit reporting enabling us to deliver on performance goals. Its auditing capabilities and financial forecasting provide state of the art methods to ensure that office collections are on track.

Credit Reporting Integration

Software integration enhances recoveries in the following ways:

• We credit report to Experian and handle disputes online for prompt problem resolution.
• Experian credit scoring is obtained through batching to accelerate recoveries.
• Experian “triggers” on debtor activity provide new addresses and employers on skips, and inform us that new accounts have been opened.

Predictive Dialer

America Capital uses the latest auto dialing technology to maximize recoveries.

Utilizing an auto dialer provides a proven solution for improving productivity and increasing payments. In using a dialer, our clients know the accounts are getting worked quickly and thoroughly.

Our hosted predictive dialing is handled by industry leader IAT. They provide the latest in telephone call program analysis and automated voice and broadcast systems.

While many firms simply utilize the dialer for small balances, we run all accounts through the system for optimum coverage and saturation.

Credit Scoring

American Capital scores the accounts for a rapid deployment of resources to the most collectable accounts.

This is accomplished in two ways:

• SourceCheck prioritizes each account within the collector’s que to work the best scores first. The scoring data is obtained from zip code experience on agency collections over 50 years.
• We also contract with Experian who provides scores on specific accounts based upon credit repayment histories.

Client Account Review Online

Clients have remote audit capability. If you subscribe to this program, a password will allow you into the Genesis System for a summary of your account activity online.

Consumer Payments Online

American Capital allows debtors to pay their accounts online.

Consumers today demand more flexibility in paying bills and a debit or credit card can be their main source of payment.

Our web payment solution adds to our partner’s bottom line since consumer payments can be made 24/7 when convenient.