DebtorIndex uses historical account, payment, contact and channel-response data to support calibrated payment-propensity estimates, expected recovery value, A–D priority tiers, contact treatment and selective bureau purchasing. It is a decision system, not a static credit score.
Talk through the bottleneck →Credit-only scores miss the actual signals an agency creates every day: successful contacts, callbacks, SMS replies, email engagement, broken arrangements and payments. DebtorIndex builds point-in-time features from operational history, supports model training and calibration, and produces reason-coded decisions for the next action.
DebtorIndex connects operational data with campaign capacity and outreach modules. Its marketing layer can select prioritized accounts for SMS via Nudge, email via Campaigns and voicemail via SilentReach, subject to channel eligibility and configured daily caps.
Nexum Open CRM is the primary platform. For agencies keeping another CRM, 502ZONE can separately scope API connections to dedicated Nexum module interfaces; we do not modify the existing CRM user interface.
Map my agency →Modules are individually quoted with a normally fixed one-time license purchase. The first year of updates is included. Optional annual update renewal generally ranges from one-third to one-half of the original module price. Improvements that benefit the wider licensed customer base may be released to eligible license holders without additional development charges during an active update term. Existing-CRM integration and private customization are quoted separately.