As the financial landscape for social housing providers in the UK continues to rapidly shift, landlords are having to contend with more and more challenges resulting from the cost of living crisis. Not only is rampant inflation pushing up the cost of materials and services, but stretched incomes of tenants is driving negative impacts on their ability to pay rent in full and on time. This report examines some of the key drivers for HAs and councils looking to mitigate arrears and addresses whether landlords are assessing the correct risk likelihood indicators when it comes to their approach to arrears and income collection.