Creative Solutions International Brings Behaviorally Designed Collection Communications to FICO Marketplace

Lenders and servicers can now turn account-level decisions into tailored collection communications, backed by optimized behavioral design and automated fulfillment.

WILMINGTON, Del., Nov. 10, 2026 /PRNewswire/ -- Creative Solutions International announced today that its Collections Marketing Platform is now available on FICO^® Marketplace, the first decision asset-based marketplace powered by FICO® Platform. Listing empowers customers around the world to operationalize AI and drive better outcomes by easily discovering, accessing, and deploying a wide range of pre-built offerings, including AI models, data services, and analytics. This addresses a critical need in the industry for organizations to leverage cutting edge technology while preserving their ability to work across their organization to bring together teams and differentiate their business with their own unique intellectual property and customer experiences.

Creative Solutions' Collections Marketing Platform helps financial institutions move beyond generic, system-generated collection letters to communications designed around customer segmentation, behavioral science, message framing based on how people read and respond, and decision design—while automating the design, production, and fulfillment process.

"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."

Once connected to a lender's existing collections workflow, Creative Solutions ingests daily account files. It then applies segmentation logic to create letters matched to each account's delinquency stage, account type, and behavioral profile. Creative Solutions manages daily production and fulfillment and refines targeting and creative over time using response and performance data. Lenders get a path from account-level decisioning to customer communication, without the need for manual campaign work.

"A good decision still has to reach a customer," said Jason Andrew, Chief Revenue Officer at FICO. "In collections, that moment is a letter or an email, and too often it gets treated as a box to check. FICO Marketplace lets lenders bring in partners like Creative Solutions who have built for this moment, without rebuilding the systems underneath."

Creative Solutions' behavioral and cognitive design framework has produced measurable results, including:

• 26% reduction in roll rates
• 15% increase in payment rates
• 48% improvement in settlements

In a recent test comparing letters combined with email versus email-only, adding letters produced a 7.2% payer lift for a settlement population and a 33% payer lift for a pre-sale population.

FICO Marketplace is a trusted digital ecosystem for decisioning capabilities and solutions, embedded natively within FICO Platform. It connects FICO customers with third-party data, AI and optimization models, and full solutions they can integrate directly into their decisioning workflows across the organization. The result is a constantly growing pool of shared capabilities that accelerates business value realization and captures a complete view across teams. This enables both customers and providers to build and operationalize differentiated AI-powered experiences across existing and new use cases, all within FICO Platform.

To learn more about FICO^® Marketplace, visit: https://marketplace.fico.com/ 

About Creative Solutions:

Creative Solutions International is a data-driven direct response marketing agency with more than 30 years of experience helping financial institutions, lenders, fintechs, and other organizations improve customer engagement and business outcomes. The company brings together strategy, creative, data and analytics, targeting, production, direct mail, and digital communications to develop measurable customer communications programs. Creative Solutions has strong expertise in new account acquisition, customer communications and collection marketing, combining deep financial-services expertise with the creative, data, and operational capabilities required to execute communications at scale.

Learn more at www.creative-solution.com

About FICO:  

FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.    

Learn more at https://www.fico.com/en 

Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/ 

For FICO news and media resources, visit https://www.fico.com/en/newsroom.

FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.   

Contacts:

FICO - [email protected]  

Creative Solutions International – [email protected]

SOURCE Creative Solutions International