35. A computer-readable storage medium storing computer-executable instructions that, when executed, cause a processor to perform a method comprising: assigning to each score band of a plurality of score bands of a collections model a different scoring expression specially determined for the score band, wherein each said score band corresponds to a different credit score range; 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.
35. A computer-readable storage medium storing computer-executable instructions that, when executed, cause a processor to perform a method comprising: assigning to each score band of a plurality of score bands of a collections model a different scoring expression specially determined for the score band, wherein each said score band corresponds to a different credit score range; 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. 47. The computer-readable medium of claim 35 , wherein the method further comprises: configuring the plurality of score bands from historical tax data; and creating a segment model for each said score band of the plurality of score bands.