2. The apparatus of claim 1 , the processor further configured to perform: 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.
1. An apparatus for estimating a propensity to pay an owed amount to a revenue agency, comprising: a memory; and a processor configured to retrieve instructions from the memory and to perform; for each of a plurality of score bands of a collections model, wherein each score band corresponds to a different credit score rang; assigning to the score band a different scoring expression specially determined for the score band; obtaining a first credit score for a first debtor; selecting, based on the first credit score, a first score band from the plurality of score bands; and in response to the selecting, applying the scoring expression assigned to the first score band to first raw credit data and first tax form data to determine a first collection score for the first debtor.