Nov 9, 2026
Creative Solutions International’s Collections Marketing Platform is now available on FICO® Marketplace. Lenders and servicers can now turn account-level decisions into behaviorally designed collection letters, inside the decisioning environment they already use, with design, production and fulfillment handled for them.
FICO Marketplace connects FICO customers with data, AI models and full solutions they can plug directly into their decisioning workflows. We’re proud to be part of it, and to bring three decades of customer communications expertise to the lenders who use it.
Why the collection letter matters
A good collections decision only pays off when it reaches the customer in a form they understand and act on. For many lenders, that moment is still a letter.
Financial institutions have invested heavily in collections platforms, analytics and automation. Yet the letters themselves are often generic and system-generated. They read like notices, bury the next step, and get set aside by the very customers who most need a clear path forward.
How information is presented, how easily customers understand their options, and how clearly they are invited to act can change the outcome. That is the problem our platform was built to solve.
What we’re bringing to FICO Marketplace
Our Collections Marketing Platform moves lenders beyond generic letters to communications designed around customer segmentation, behavioral science, message framing based on how people actually read and respond, and decision design. It also automates the design, production and fulfillment that usually make better letters hard to run at scale.
“Being part of FICO Marketplace means our approach can now reach lenders and servicers through the decisioning environment they already trust,” said Kevin B. Foley, CEO of Creative Solutions International. “Our platform makes every communication more purposeful—using data and behavioral design to deliver the right message, to the right customer, with the right offer at the right point in the collections journey, without adding operational complexity.”
How it works
Lenders get a path from account-level decisioning to customer communication, without manual campaign work.
- Connect. We plug into your existing collections workflow and ingest daily account files.
- Segment. Segmentation logic matches each letter to the account’s delinquency stage, account type and behavioral profile.
- Fulfill. We manage the daily production and fulfillment (SOC 2 compliant).
- Improve. Response and performance data refine targeting and creative over time.
The results
Our behavioral and cognitive design framework has produced measurable results for clients:
- 26% reduction in roll rates
- 15% increase in payment rates
- 48% improvement in settlement acceptance
These gains come from the communication itself: clearer options, an obvious next step, and a message matched to the moment.
Email alone isn’t enough
In a recent test comparing email-only outreach with email plus letters, adding letters lifted payers 33% in a pre-sale population and 7.2% in a settlement population.
The channel mix matters as much as the message. Our platform on FICO Marketplace handles both.
Let’s talk
If your collection letters haven’t changed in years, we’d welcome the chance to compare notes. We’ll walk you through how behaviorally designed communications work, what results clients have seen, and how to get started through FICO Marketplace.
Contact us at info@creative-solution.com, or read the full announcement: https://www.prnewswire.com/news-releases/creative-solutions-international-brings-behaviorally-designed-collection-communications-to-fico-marketplace-302935182.html?tc=eml_cleartime
To learn more about FICO® Marketplace, visit marketplace.fico.com.
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