Targeted accounts will receive a collectability score from TransUnion at the time of placement.. ERI’s customized scoring models allow us to initially concentrate collection efforts on debtors with the greatest propensity to pay, and to strategically and efficiently apply collection campaigns on various portfolio segments. While customized scoring on particular delinquent portfolios helps to determine an account’s initial collection campaign assignment, all accounts are assigned and worked within both ERI and our client’s guidelines and requirements.