With dynamic risk assessment models, they could eventually trickle any security deposit back to the customer as he establishes a better credit history. Eventually the company could figure what the hell the guy put down a 50gg security deposit but we've already made 100gg in interest payments from him over the last few years, so he can just have the whole deposit back. We're covered!Mike:
This could even go in the opposite direction! When a customer starts missing payments or paying late on a regular basis, you could send him an email asking that in addition to his regular payment, he also put up an extra security deposit to be held in escrow. That's the penalty for erratic payment! If you want the deposit back, just start paying regularly again!
It's all probabilities and incentives. No force involved, ever.
-- Patrick
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