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ZACC Letter Grades

Each letter grade represents a different level of risk for your practice. 


This person is risk free with great stability and virtually perfect credit. Whatever financial arrangement this person makes will be kept. There is no identifiable chance of financial loss as a result of a establishing a financial relationship with this patient.”


This person also has perfect credit, but is somewhat less stable than the A+ patient. The risk of loss is low enough to be considered insignificant.


This person has some minor issues with stability and/or with his/her credit record. The risk of financial loss with this person is low, certainly less than 10%. It is possible that some collection activity will be necessary from time to time but there is little chance of serious delinquency


This customer has moderate issues with stability and/or with his/her credit record. There may be minor instances of delinquency on their credit report. While this person might not always pay on time and some collection activity may be necessary from time to time, there is less than a 10% chance of financial loss.


This person is either in a personally unstable situation or has moderate levels of delinquency on their personal credit report; both may exist. The risk of loss is most likely close to 20% and there is a reasonable probability that collection activity will be necessary in order to keep this account under control


This person is either in a very unstable personal situation or has serious credit problems. Quite often, both situations exist simultaneously. This account will require a great deal of work to keep under control and there is a 30%-40% risk of financial loss.


This person is in serious trouble with their credit or may be unemployed. The risk of loss with this patient is high (greater than 50%).