FICO provides credit card issuers and other lenders a fully integrated collections/recovery program, including omnichannel interactive communication, predictive models, strategy control, recovery system, optimization, and collections system. The company’s software is used by 4 of the 10 largest credit card issuers in the U.S. for precharged-off and postcharged-off debt. Credit card and telecom companies in the U.K. and Middle East also use FICO’s collections and recovery software. Currently, delinquent credit card debt is low in the U.S. However, issuers anticipate upward movement. Coll...