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FICO® Collections Optimization transforms collections and recovery (C&R) effectiveness and customer connectivity by applying powerful, easy-to-use analytic tools to address business objectives, such as optimal resource allocation and roll rate reduction. It leverages sophisticated, patented mathematical techniques that help calculate the optimal actions to take among many choices, given business goals and constraints. Benefits are greatly increased when Collections Optimization is integrated with FICO® Debt Manager solution, FICO® PlacementsPlus® service and FICO® Customer Communication Services to provide a comprehensive debt management platform.