Method and system for credit status calculation, monitoring, and maintenance
First Claim
1. A credit monitoring and management system, comprising:
- a first process for accepting at least one credit rating value associated with a borrower, said at least one credit rating value being generated by at least one credit reporting bureau;
a second process for accepting additional data pertaining to said borrower'"'"'s credit status, said additional data including data not considered by said at least one credit reporting bureau;
a third process responsive to said at least one credit rating value and said additional data to generate a custom credit rating value for said borrower.
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Accused Products
Abstract
A credit monitoring and maintenance system including various computer-based processes. In one embodiment, the system includes processes for accepting inputs including one or more credit report values specific to a borrower generated by one or more credit reporting bureaus, and for further accepting additional inputs from other sources comprising data specific to the borrower and not utilized by the credit reporting bureaus in the computation of the credit report values for the borrower. The system further preferably includes processes for generating custom credit reports including custom credit rating values based upon the credit report values and the additional inputs. The system also further preferably includes processes for generating one or more credit management prompts computed to lead to improvements in the credit report values generated by the one or more credit reporting bureaus, to the extent that the borrower takes actions commensurate with the credit management prompts.
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Citations
9 Claims
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1. A credit monitoring and management system, comprising:
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a first process for accepting at least one credit rating value associated with a borrower, said at least one credit rating value being generated by at least one credit reporting bureau;
a second process for accepting additional data pertaining to said borrower'"'"'s credit status, said additional data including data not considered by said at least one credit reporting bureau;
a third process responsive to said at least one credit rating value and said additional data to generate a custom credit rating value for said borrower. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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Specification