We are a third-party collection agency focused in the financial services, telecom and medical industries.
I became associated with Experian through my employment with the United Collection Bureau. In my past lives in the industry, we were always tied to Equifax. This company had the Experian relationship. I was able to meet the personnel and learn about the products. I’ve been very impressed with not only the products that Experian offers, but also the resources they invest into developing new ideas and targeting what our industry needs are.
I was impressed from the very first executive council. Each year I give it praises, and each year I say I’d love to come back again. I absolutely believe that it’s a great partnership. It really is one of the things that sets them apart from other credit bureaus.
We rely on the credit report and the RecoveryScoreSM very heavily in all of our strategies. All of our strategies are driven off of the RecoveryScore. Most recently, we’ve invested a lot of our time and intellectual capital into developing a phone file where, as opposed to looking at it from a consumer level and the phone that they own, we’re looking at the phone number and who owns that phone. The intent is to build the phone file so that we can data mine and better focus in on who owns that phone number and where is that phone number terminating. If it’s a cell phone, we’ll know who owns that number and how long they’ve had it. We’re using a lot of Experian data to help build that internal file.
I think that Experian does a great job of connecting with their partners. I think that Experian even further enhanced the executive council by inviting the creditors this time. I really think you do a fantastic job of understanding what our needs are and setting your sights on developing a solution for those needs.
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"I’ve been very impressed with not only the products that Experian offers, but also the resources they invest into developing new ideas and targeting what our industry needs are."
Michael Karosas, COO
United Collections Bureau, Inc.
Identify accounts with the greatest recovery potential.