RECEIVE ACCOUNT RECORDS ELECTRONICALLY OR MANUALLY

• All data is entered within five (5) days, with acknowledgments and notices printed and mailed daily to client and customers. Agency is capable of receiving accounts electronically or manually. Each account is given a five day grace period to allow the notice to be received, before initial phone contact is attempted.

AUTOMATIC COMPUTER SEARCH OF EXISTING ACCOUNTS LOOKING FOR INFORMATION MATCH

• Accounts are automatically matched with others by name, address, social security number, ect. All of our collectors are extensively trained in the laws governing the collection industry. Our collectors are all “Certified Professional Collection Specialists” through ACA International (The Association of Credit and Collection Professionals). All collectors must receive training and pass a test administered through ACA International, with a passing grade of at least 80%.

REPRESENTATIVE CALLS FOR SATISFACTION OF DEBT

• Collectors are trained to ask for payment in full on initial contact. If payment in full is not feasible, collectors are trained to obtain specific payment arrangements to satisfy the debt in the shortest time possible.

BALANCES GREATER THAN $50.00 ARE REPORTED TO CREDIT AGENCIES AFTER 30 DAYS

• XXX_____XXXX is on-line with the three major credit reporting agencies that cover the nation: Experian, TransUnion and Equifax. Express can instantly pull credit reports from all three agencies. We report delinquent balances to credit agencies after 30 days.