| http://www.w3.org/ns/prov#value | - A credit score is based upon historical data and relies upon historical data as a predictor of future payment likelihood. [0011] Contact information 114 typically includes phone numbers, addresses and other information useful in identifying and contacting or locating a debtor. [0012] In the prior art debt collection processes, external data 102 and internal data 104 are analyzed alone or in combin
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