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      "text": "Ford Credit uses proprietary behavioral scoring models to assess the probability of payment default for each receivable on its payment due date. These models assess the risk of a customer defaulting using a number of variables, including origination characteristics, customer account history, payment patterns, expected net losses and periodically updated credit bureau information. Output of the behavioral scoring models is a proprietary score (probability of default) that determines: How soon a customer will be contacted after a payment becomes delinquent; How often the customer will be contacted during the delinquency; How long the account will remain in early stage collections before it is transferred to late stage. New behavioral scoring models are developed on a regular cycle plan. Ford Credit regularly reviews the behavioral scoring models to confirm the continued statistical predictability of the variables. Adjustments may be made to improve the performance of the behavioral scoring models between development cycles. Completed launch dates of the most recently redeveloped behavioral scoring models are as follows:",
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