37. The computer-readable medium of claim 36 , wherein the method further comprises: determining a first collections treatment type from the first collections score and another collections treatment type from the other collections score, wherein the first collections treatment type and the other collections treatment type are the same when the first collections score and the other collections score are within a same collections score range.
36. The computer-readable medium of claim 35 , wherein the method further comprises: obtaining a second credit score for another debtor; selecting another score band from the second credit score; and applying another scoring expression assigned to the other score band to another raw credit data and another tax form data to determine another collections score for the other debtor.