such as identifying customers who represent long-term value, developing propositions to re-activate lapsed or dormant customers who represent long term value, and identifying and responding to customer churn indicators, as well as HouseFile for businesses to reference an individual’s behavior against the wider market. It also provides customer acquisition solutions, including Classic file to aid decision processes in new customer acquisition by providing an assessment of the likely payment intention of the prospect or new applicant; Classic Plus for advanced users of Classic by adding another layer of discrimination in the geographic element of the coding structure; and GeoPlus to categorize the U.K. into one of 15 distinct codes based on trading/payment behavior from good to very bad. In addition, Fraudscreen offers collection and recovery solutions comprising DebtCollect and DebtCollect Plus to help businesses decide how to treat individuals at pre-delinquency, collections, and recoveries; and TeleCollect, a call centre service to send monthly reminders to customers for collecting overdue or outstanding debts. Further, it provides products delivery solutions through realtime for online or telephone transactions, daily batch for coupon management or dunning letter management, and 48-hour batch for campaign purposes or ad-hoc requests.