Solution
Payment Recovery

Payment recovery that keeps your account history.

Q: Do we have to use an outside recovery agency alongside this, or instead of it?

Neither is required. Whether you keep an agency for part of the portfolio is your call.

Q: Is any of our charged-off account data used to train a public AI model?

No. No account data leaves your environment for training or processing on a public AI model, whether the account is in collections or already charged off. This is the same contractual commitment KredosAi makes at every other stage, not a separate or lesser policy. The engine runs against your own accounts and data and chooses only among templates your legal team approved. Every message clears a deterministic compliance check before it sends. If your legal or security team needs specific contractual language for charged-off accounts, it is added during pilot scoping.

Q: What’s the difference between cure rate and recovery rate?

Cure rate is the share of past-due accounts that become current again before charge-off. That is collections. Recovery rate is what is collected after an account has been charged off. That is this page.

For accounts already charged off, where the goal shifts from cure rate to recovery rate.

Book a Demo Calculate Your ROI

In short: KredosAi Payment Recovery applies account-level matching to accounts already charged off. It carries forward what worked, or didn’t, during collections, instead of starting over on a fixed recovery script once an account moves to an outside agency. The aim is a higher recovery rate, on your own accounts and data. It runs on the same multi-armed bandit engine.

A pilot built around your portfolio. Early results in as little as 2 weeks. Built for telecom, auto financing and financial services.

Market figures below: New York Fed, Q2 2026; Fitch, January 2026; Cox Automotive and Experian. Last updated: November 3, 2026.

More accounts reach charge-off.

U.S. household debt stands at $18.8 trillion. U.S. household debt stands at $18.8 trillion.
Subprime auto delinquencies are at a 30-year high. Subprime auto delinquencies are at their highest level in over three decades.
1.73 million vehicles were repossessed in 2024. 1.73 million vehicles were repossessed in 2024, the most since 2009.

Agencies start from zero.

Handing charged-off accounts to an agency erases what you knew about them. What worked during collections is discarded, recovery starts on someone else’s process, and the relationship and account data sit with the agency for as long as the account is placed there.

History from collections carries into recovery

What worked during collections is discarded

Messages matched to each account

One recovery script for every account

The relationship and data stay with you

The relationship and data sit with the agency

Every message clears a 5-gate compliance check

A reference number instead of your name and brand

Nothing starts over.

The same account-level matching used before charge-off keeps working after it, on your own accounts and data.

Book a Demo

History carries over

What worked, or didn’t, during collections stays part of what the engine works with in recovery.
A different goal

The goal shifts from cure (getting current) to recovery (getting back what is still collectible).
Matched per account

Messages are matched to each account, not one recovery script for every charged-off account.
Compliant every time

Every message clears a 5-gate compliance check: template, send timing, regulatory citation, quiet hours and channel match.

Questions teams ask first.

Is any of our charged-off account data used to train a public AI model?

Do we have to use an outside recovery agency alongside this, or instead of it?

What’s the difference between cure rate and recovery rate?