15. A computer-readable storage medium having computer-readable program code embodied therein for causing a computer system to perform a method of determining a collections treatment type, said method comprising: selecting a score band based on a credit score associated with a debtor; determining 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 said collections treatment type based on said collections score.
15. A computer-readable storage medium having computer-readable program code embodied therein for causing a computer system to perform a method of determining a collections treatment type, said method comprising: selecting a score band based on a credit score associated with a debtor; determining 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 said collections treatment type based on said collections score. 18. The computer-readable storage medium of claim 15 , wherein said method further comprises: configuring a plurality of score bands, wherein said plurality of score bands comprises said score band, and wherein each score band of said plurality of score bands is associated with a respective credit score range and a respective scoring expression.