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Toyota Financial Services reduced auto loan delinquencies and repossessions by providing payment options that are profitable to the business and address customer preferences with a Collections Treatment Optimization solution powered by FICO® Xpress Optimization Suite and FICO® Model Builder. During its first year, the CTO program helped more than 1,600 customers avoid repossession and stay in their cars, and prevented 10,000 customers from reaching a stage of delinquency that would affect their credit. The program also helped grow the lending portfolio by 9% without adding collections headcount.