13. The method of claim 8 , wherein said first and second variables are different.
8. A method of determining a collections treatment type, said method comprising: selecting, by a computer processor, a score band based on a credit score associated with a debtor; determining, by the computer processor, a collections score based on raw credit data and a first scoring expression of a plurality of different scoring expressions, wherein said first scoring expression is associated with said score band, wherein said first scoring expression utilizes a first variable, and wherein a second scoring expression associated with a second score band utilizes a second variable; and determining, by the computer processor, said collections treatment type based on said collections score.