Scorelogix's solutions increase profitability for credit unions, marketers, credit card issuers, banks and insurances. Scorelogix's invention, the Job Security Score (JSS), is a better predictor of consumers ability to pay than credit bureau scores, the Income Stability Score (ISS) is a better customer targeting tool, and the Debt Collectability Score (DCS) is better tool for increasing collections effectiveness. Scorelogix's proprietary ZIP level economic indicators -- the Local Economic Health Index (LEHI), Job Security Index (JSI), and the Unemployment Rate Index (URI) -- uniquely measure and forecast economic activity for every ZIP code in the country on a monthly/quarterly basis. Scorelogix, founded in 2003, is a privately held company and is backed by FI industry heavyweights.