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.
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. 5. The apparatus of claim 2 , wherein the first scoring expression utilizes a same variable as the other scoring expression with a different weight.