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Tell us who you are and the rest of the report is yours. Nothing else is required.
A random pull of payments set up through the Resolvah platform, matched to the hourly weather at the consumer's zip code. Each one is compared with what that same place, weekday, hour and month normally produces, so a rainy December evening in Minneapolis is only ever compared with other December evenings in Minneapolis.
Scroll. The sky changes with each section, and the storm section gets loud.
Each bar is how far payment setups ran above or below usual under that condition. The thin line is the range we are 95% sure about; if it touches "usual", the bar is grey and the effect could be chance.
Averages hide the extremes, so here are the biggest events in the window, one at a time. Each line is daily payment setups in the affected states versus the usual for that weekday in the surrounding weeks. The shaded band is the event.
January 21–23, 2025 · TX, LA, MS, AL, FL, GA
About 200 setups a day in these states.
January 19–22, 2025 · TX through the Midwest to NY
About 263 setups a day in these states.
July 8–10, 2024 · Houston, TX
Thin sample: about 7 setups a day.
January 13–17, 2024 · TX through the Midwest
About 17 setups a day.
Each cell is that group's payment setups under the condition versus that group's own normal. Green is reliably up, terra-cotta reliably down, grey could be chance.
| Consumers | Setups | Rainy hours | Snowy hours |
|---|---|---|---|
| Type of debt | |||
| financial | 492,684 | +1%0% to +2% | 0%-8% to +6% |
| medical | 72,722 | +2%-5% to +10% | -16%-26% to -5% |
| housing | 19,392 | 0%-5% to +5% | -6%-20% to +8% |
| other | 52,340 | +1%-6% to +8% | -3%-16% to +10% |
| Balance owed | |||
| $1–100 | 41,564 | +5%-2% to +11% | -14%-29% to -2% |
| $100–250 | 42,479 | -3%-8% to +1% | -5%-17% to +9% |
| $250–500 | 53,698 | +1%-3% to +4% | +11%-10% to +31% |
| $500–1k | 79,328 | +2%-1% to +6% | 0%-17% to +18% |
| $1k–2.5k | 135,066 | +1%-2% to +4% | -15%-26% to -3% |
| $2.5k+ | 185,435 | +1%-1% to +3% | -4%-21% to +13% |
Text replies fall 17% on snow days, nearly half where snow is rare. Email opens hold. Hold the text campaign and send it the day after.
Payments came back +24% to +44% the week after the big cold snaps. No need to chase; the money is on its way.
The week after a hurricane stayed below normal. Accounts in those zips need an easier plan, not another reminder.
Rain, thunderstorms and heat do not move payments. If a campaign is ready, send it. What does move payments is the calendar, and that is a report of its own.
Resolvah's virtual collector runs the outreach, the portal and the payments, and reports on all of it. In a one-hour working session we walk through it on accounts that look like yours, apply the findings in this report to your own portfolio, and show you which days, hours and offers move your money. You leave with that whether or not you ever buy anything.