CollectionsX.com, a Web site that stages auctions of distressed debt portfolios, has introduced a scoring model that assesses how collectable the debts in a portfolio really are, and says it can give bidders the most accurate portrait of how much they might be able to collect from a chunk of receivables that is up for sale.

While lenders commonly score delinquent and charged-off accounts to determine the likelihood of ever getting paid, CollectionsX said its model, devised by the Atlanta-based credit bureau Equifax, can tell bidders not only whether, but how much they can expect to collect in six months.

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