Abstract: A system, method, apparatus, means, and computer program code for predicting or otherwise determining a customer's likelihood of paying off a financial account. The financial account may have a maximum loan amount, interest rate, minimum monthly payment, or other term or condition associated with it. In some embodiments, the financial account may be secured or unsecured. The customer's likelihood of paying off the financial account may be predicted or otherwise determined by analyzing various parameters associated with the customer and/or the account. A score may be computed based on the parameters, which is indicative of the customer's likelihood of paying off the financial account. Once the score is computed, it may be used to select or otherwise determine one or more courses of actions (e.g., marketing activities) to take regarding the customer and/or the account.