Three products, one account record
EQ Engine
The scoring layerPredictive scoring for payment capacity, collection probability, and portfolio valuation, refreshed continuously as new activity comes in. Explainable by design, so a score or a routing decision can be walked back and defended.
On one client's legal-placement decisions, EQ Engine's selection model produced a 10x lift in ROI performance against it's old strategy using credit scores to predict legal outcomes.
EQ Engage
The engagement layerDigital-first borrower communication across SMS, email, and a self-service payment portal, with adaptive Journeys that change course based on how a borrower actually responds. Compliance rules are applied automatically by location and circumstance.
EQ Engage's email delivery rate, including Model Validation Notices, sits at over 87%.
EQ Collect
The network layerManagement for every outside agency, law firm, and debt buyer working your portfolio, with no-code vendor onboarding, automated placement routing, and one immutable record from placement to disposition.
Part of a track record of more than $15 billion in collections generated across 100 million consumers.
EQ Suite
One suite. Every stage of the account lifecycle.
Most collections stacks are three or four vendors stitched together with exports and manual handoffs. The EQ Suite is one platform: EQ Engine scores an account, EQ Engage reaches the borrower, and EQ Collect manages whatever gets placed outside, all working from the same record instead of three different ones.
Illustrative.
How the three compare
| EQ Engine | EQ Engage | EQ Collect | |
|---|---|---|---|
| Core function | Predictive scoring and prioritization | Digital-first borrower communication and self-service | Third-party agency and law firm network management + debt sale |
| Where it fits | Runs continuously, from origination through charge-off | Active outreach and self-cure, pre- and post-charge-off | Debt sale and outsourced placements |
| Key capabilities |
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| Compliance management | Scores you can explain and document | Contact rules applied automatically by location | One record across every vendor, ready when you need it |
| Best fit for | Creditors, Auto Lending, Debt Buyers, Collection Agencies, Credit Unions | Creditors, Auto Lending, Debt Buyers, Collection Agencies, Credit Unions | Debt Buyers, Creditors, Auto Lending |
How they work together
The EQ Suite is built so that each stage of the collections process feeds the next. EQ Engine sits at the front, scoring every delinquent account on its likelihood to pay and its expected net value. Those scores then drive what happens to the account. Accounts likely to cure on their own are routed to EQ Engage, where behavior-triggered text, email, and dial sequences reach borrowers and lets them resolve a missed payment without a call. Accounts that need more effort, or that have moved past in-house recovery, are placed with outside agencies through EQ Collect.
Because the modules share one data layer, every update and signal is captured in a unified ecosystem. Borrower activity in EQ Engage updates the account’s score, EQ Collect tracks agency and legal performance, manages documents and media, and provides compliance oversight into every action with a complete audit trail. Institutions can start with a single module and add more over time, and the suite connects to existing loan management and servicing systems through API or flat-file integration, so it enhances current operations without replacing them.
See how EQ Engine, EQ Engage, and EQ Collect stand on their own, or work together as a unified sytem.
Tell us where your pain is and we'll show you how the EQ Suite can help.