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Ebureau Module

Collect!'s eBureau module is an integration enabling you to send accounts to eBureau and automatically process returned results. It is only available for clients in the United States.

Information that this provider returns includes scores, last known address information, bankruptcy details and deceased status. eBureau uses identity criteria to match your debtors with their data, such as name, address, social security number, date-of-birth and phone number(s).

Requirements

To use the eBureau module, the following are required:

  • Purchase a License for the eBureau module for CV11 and higher.

  • Register an account with eBureau.

  • Enter your eBureau login credentials eBureau Setup window. Refer to Help on eBureau Setup for details.

  • Copy the "ca-cert.pem" certificate file provided to you by eBureau into the CV11\bin folder. This is used to authenticate your connection with eBureau.

  • eBureau will ask for the IP address that you will be submitting from. Your network technician can help by providing this information.

  • Pick lists and control files for the Cosigner and Attachment tabs have special modifications to ensure that eBureau specific fields are labeled appropriately. These are provided for you by Collect!.

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Accessing Submit To Ebureau

The eBureau integrated processing is contained in the \Tools\Batch Processing menu path. Refer to Help topic "How to Submit Accounts to eBureau" for detailed steps.


Batch Processing

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Ebureau Batch Results

How the eBureau module manages returned information is described as follows:

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Debtor Address And Contacts

You may receive any number of addresses, phone numbers, or possible dates of birth if one wasn't on your file at time of submission. Returned information carries a ranking code to indicate probability of match accuracy, where 1 is the best ranked info. When you submit a debtor to eBureau, the information on the Debtor screen will be updated to match the top ranking data in eBureau's databases. If your existing debtor screen did not contain the results, any new information will be added and old information being replaced will be logged to Notes.


eBureau Address Update Logged to Notes

tip.gif Check the " Update Debtor Information" switch in \System\ Preferences\ eBureau Setup to control whether or not Debtor addresses will be dynamically updated to live debtor screens without preview OR leave this switch unchecked if you wish to have the information confirmed prior to data-swapping with live demographics on your files.

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Debtor Uuid

Each debtor which has results returned will have a "uuid" which is a unique value eBureau uses to track the transaction. This uuid is recorded in the Notes for each Debtor.


eBureau Debtor UUID Logged to Notes

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Alternate Address

For each set of data returned, an Attachment window will be created on the Debtor with a Class of "eBureau" and a Type of "Alternate Address". The Rank will be indicated on the Attachment screen.


eBureau Alternate Address Attachment

tip.gif If you have customized your pick-lists in the Attachment tab, contact us for information/ assistance in configuring your pick-lists to function properly with eBureau. This requires that you have the 4.pck, 12.pck and 13.pck pick list files along with a control file, attach.ctf, which contains the necessary defaults to work with the eBureau module.

If you have upgraded from a pre-CV11 version of Collect!, you will not have the pick-lists or the updated control file that work with eBureau. These are provided in a zipped file with instructions and are also available for download at our Member Center.

Get Files

warning.gif WARNING: If you have customized your Attachment pick-lists for your site and wish to retain these changes, contact us for advice/assistance before overwriting your modified pick-lists or control files as you may overwrite your changes and lose them once they are overlaid with shipping default versions.

If the Debtor has been previously submitted and you already have "Alternate Address" attachments, the Ranks on the older addresses will be cleared and the new attachments will reflect the current rankings from eBureau. If the new information matches previously created "Alternate Address" records, but with additional information, then the new information will be appended to the existing record. Otherwise new records will be created.

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Advanced Phone Updates

4 settings in the configuration window located via \System\Preferences\ eBureau Setup are used with the "Phone" check box to provide you with more options for writing Phone information to the Debtor screen during processing.

Using these settings, you can elect to update the Home Phone field "Only if empty". You can also direct a cascading sample of phone field checks to attempt to find other blank fields on your main debtor screen to be updated if a target field is filled. If no empty Phone fields are found, then the process will write the new Phone number to the Debtor's Notes rather than overwrite a phone field which is populated.

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DOB

If you have your preferences set to dynamically " Update debtor information" and "DOB", if eBureau returns a DOB on the highest ranking address that does not contradict the existing DOB on the Debtor, but contains less info, the process does not overwrite the existing DOB.

For example, if the Debtor contains 07/01/1970 and eBureau returns only the year 1970, then no update will take place. If eBureau returned 1926, it would overwrite (and log to notes).

warning.gif WARNING: If you do not wish to debtor identity information or addresses to update dynamically when an eBureau batch is processed, keep your \System\Preferences\ eBureau Setup option "Update debtor information" switch unchecked.

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Cosigners

You may receive information regarding Relatives, Neighbors, and Associates of the debtor. Each of these will have Cosigner records created with the Class set to "Other" and the Type set to "Relative", "Neighbor" or "Associate" to reflect the relationship as indicated by eBureau.


eBureau Cosigner Record

If the Debtor has been previously submitted and you already have "Relative", "Neighbor" or "Associate" cosigners, if the new information matches previously created records, but has additional information, then the new information will be appended to the existing record. Otherwise new records in the Attachment tab will be created.

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Bankruptcy Details

If eBureau's records indicate that the Debtor has declared bankruptcy, then up to five attachments may be created on the Debtor, depending on what information is returned.

The Attachment records will be class "Bankruptcy" and the Type will indicate either "Bankruptcy Info", "Creditor", " Attorney", "Trustee", or "BK Court." Each of these records will contain information related to its type.


eBureau Bankruptcy Information


eBureau Bankruptcy Attorney


eBureau Bankruptcy BK Court

If the Debtor has been previously submitted and you already have "Bankruptcy" attachments, these will be left intact and new records will be created to reflect the information received in your current submission.

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Deceased

If eBureau's records indicate that the Debtor is deceased, then information regarding the date of birth, death, and contact details for a surviving spouse will be used to create and populate an attachment of Class "eBureau" and Type "Deceased".


eBureau Deceased Attachment

If the Debtor has been previously submitted and you already have "Deceased" attachments, these will be left intact and new records will be created to reflect the information received in your current submission.

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Scores

Multiple scores may be returned by eBureau. Each Score returned will have an attachment record created with a Class of "eBureau" and Type "Score". The "Date 1" field will reflect the date the score was returned. If the Debtor has been previously submitted and you already have "Score" Attachments, these will be left intact and new records will be created to reflect the information received in your current submission, so you will have a history of all scores received.


eBureau Score Attachment

The most recent score is also written to the Score field on the Debtor screen. If you later submit the same debtor to eBureau again and a new score is returned, this new score will be updated to the debtor screen. Provided you have the Score Access Rights set to " Log to notes", previous entries are written to notes whenever the score is updated.


Latest eBureau Score on Debtor Screen

tip.gif The Debtor's Score can be displayed in a Collector's WIP List. Right click on the column header row and select Score from the pop-up of available fields. This column allows ascending/descending sort and can assist your collectors in prioritizing and working the accounts with the highest statistical probability of liquidating ahead of those which eBureau's scoring model determines to be less recoverable.

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Ebureau Summary

An "in progress" Review Contact is scheduled for each debtor that had returned data in the eBureau batch. This Contact displays each of the message codes returned. The message codes are listed in the Description field and their extended meanings can be viewed when you open the "eBureau Message Descriptions" metafile attached to the contact's Data field. This Review Contact will be created for the operator who owns each account, or to a specific operator, as selected during the eBureau batch process.


eBureau Review Contact


eBureau Message Descriptions

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Attachment Subclass

A hidden field on the Attachment screen is written to whenever an eBureau attachment is created. This field holds a description that fits the Attachment Type. This is necessary because of the dynamic nature of the Attachment's pick-lists. The result is an easily identifiable entry in your Attachment list in the Subclass column.


Attachment Subclass Field

tip.gif The module enables you to run a contact plan when phone numbers change on your accounts. You can use this feature to change your account status and then, for example, process the accounts for a targeted dialer call campaign.

Please refer to Help topic, Screen and Messages for details about " Run plan when phones change". This setup screen is located via the menu path of "System\Preferences\ Options, Sounds and Colors\Screens and Messages".

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See Also

- Batch Processing Topics

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