Buy Here | Pay Here Payment Center

60+ day delinquency reached a high of 6.65% at the end of 2025.

Bad debt expense has risen to approximately 28% of sales due to inflationary pressures on consumers.

Helps collectors prioritize accounts that have had zero activity versus those making small "good faith" payments. 3. Static Pool (Vintage) Analysis buy here pay here payment center

Summarizes cash, credit, ACH, and checks while highlighting NSFs (Non-Sufficient Funds) and chargebacks. 5. Promise-to-Pay (PTP) Kept Rate Purpose: Measures collector effectiveness.

Roll Rates (the percentage of customers moving from one late bucket to the next). 2. Recency Report 60+ day delinquency reached a high of 6

Identifies customers who are delinquent but have paid something recently.

The percentage of customers who made a "Promise to Pay" and actually followed through. and 61+ days.

1–10 days, 11–30 days, 31–60 days, and 61+ days.