Credit Matrix Scoring System
	Normally your customers’ payment habits are the first indication of credit worthiness. In a large volume commercial environment, adjusting credit lines based on detail historical information is nearly impossible unless it is automated. By adjusting credit lines based on current information, you not only reduce your credit exposure where warranted, but you also improve the order process for good customers by reducing the number of background credit checks. C/LECT Consulting has written a stand-alone Credit Matrix Scoring System which adjusts credit lines based on a separate category for customer groupings using internal and external variables which are defined entirely by you
		Customer Categories, or Groupings. Allow for Multiple Matrices for Your Customer. The Categories Can be Defined With the Following Criteria:
			- Business segment - Credit line range - Credit manager - Parent group - Risk classes
		The Internal Variables May Include:
			- Sales and payment histories - Years as an active customer - First and last sale dates - First and last payment dates - Aging to credit line percents, with or without disputes and deductions - Updated risk codes - Accumulated parent information and histories
		The External Factors May Include:
			By automatically reviewing all available information on a nightly basis, the credit lines can be adjusted to limit your exposure and increase order throughput for good customers, maximizing their sales opportunities. A Credit Scoring Matrix will also standardize your account evaluation, improving control and analysis of your portfolio.
	The C/LECT Credit Matrix Scoring System is a stand-alone P.C. based system, utilizing an Access database. It interfaces with your A/R and Order Entry System, gleaning the necessary historical information, and updating the credit lines according to rules that best meet your company’s credit exposure policy.