1. A method for estimating a propensity to pay an owed amount to a revenue agency, comprising: (a) obtaining a first credit score for a first debtor; (b) selecting a first score band from a plurality of score bands from the first credit score, each score band of a collections model being associated with a credit score range; and (c) determining a first collections score for the first debtor based on first raw credit data and first tax form data and based on a first scoring expression, the first scoring expression being associated with the first score band.