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Method and apparatus for development and use of a credit score based on spend capacity

  • US 20060242051A1
  • Filed: 06/30/2005
  • Published: 10/26/2006
  • Est. Priority Date: 10/29/2004
  • Status: Active Grant
First Claim
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1. A method of developing a credit score for an individual consumer, comprising:

  • (a) modeling consumer spending patterns using individual and aggregate consumer data, including tradeline data, internal customer data, and consumer panel data;

    (b) estimating credit-related information of the individual consumer based on tradeline data of the individual consumer, balance transfers of the individual consumer, and the model of consumer spending patterns; and

    (c) assigning a credit score to the individual consumer based on the estimated credit-related information.

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