Abstract: Embodiments for linking account data are included in systems for receiving account data and non-account data and filtering the account data by customer or account information. The embodiments further include identifying a customer and customer accounts based on the filtered account data and linking at least a portion of the non-account data to the customer, and combining the non-account data portion and the filtered account data, and identifying one or more guarantors of the customer accounts based on the combined data.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a unified representation of all customer relationships with an entity. This representation focuses on customer products in arrears that are to be recovered. The invention presents an overarching view of all customer relationships to a representative. This allows the representative to make decision and take appropriate actions immediately based on the entire relationship with the customer when a customer communication is initiated. As such, the invention correlates all of the customer's relationships with a financial institution into one unified representation for a representative to review. The unified representation takes into consideration all of the customer's relationships as well as external factors on the communications and relationships. Thus providing a holistic customer service experience for a customer with accounts in arrears.