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Debt Buyer Pricing and Bids

How qualified debt buyers price charged-off tapes on DebtHub: percent of face vs bps, media haircuts, vintage, state mix, and bid conditions.

Explainer series

How buyers read a tape

NDA first. Then a working file. Bid with a unit.

Open this path

Emailportfolios@debtmarket.net
Phone561-254-6608
Institutional1 business day response · B2B only

DebtHub · Buyer pathway

A bid is a recovery model with a unit attached. Credit card and auto deficiency usually trade as a percent of face. Thin specialty paper often trades in bps. Name the unit. Educational ranges live on the pricing study and evaluation studio. Neither is an offer.

What actually moves your number

  • Asset class and product (card vs auto deficiency vs medical vs BNPL).
  • Charge-off vintage versus last-pay. Fresh last-pay with old charge-off is a different file than the reverse.
  • Media percent and whether COS exists.
  • State mix versus your license map.
  • Prior placements. Paper that already worked two agencies is not virgin paper.
  • Balance tiers. A $400 average is a different collect model than $4,000.

How to write the bid

One number, one unit, written conditions: media floor, title, max deceased, funding date, capacity. A “4” with a verbal media caveat is how you lose the file to a buyer who wrote it down.

Pair with portfolio valuation and what buyers pay for paper.

Underwriting levers buyers actually use
Bid input If strong If weak
Last-pay recency Tighter skip, higher percent Haircut or pass
Media / COS Fewer disputes Assume extra ops cost
License coverage You can board the mix Carve states or walk
Capacity Seller trusts the close You get skipped next time

Questions this page answers

Does Triton publish a take-it-or-leave-it price?

No. Buyers bid. The studio and pricing study are education, not a quote.

Percent of face or cents on the dollar?

Same idea. Say percent of face or bps so the seller is not translating slang.

Should I bid the whole tape if I cannot work one state?

Carve it, or pass. Bidding states you will not work is how files stall after the PSA.

Paired reading: Seller pricing (what paper fetches)

Paired reading: Creditor sale proceeds

Apply as a buyerOpen evaluation studio

Desk: portfolios@debtmarket.net · 561-254-6608. Institutional only. Not consumer collections.

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