METHOD AND SYSTEM FOR CREDIT REPORT REMINDER SERVICE

• US 20090119116A1
• Filed: 11/05/2007
• Published: 05/07/2009
• Est. Priority Date: 11/05/2007
• Status: Abandoned Application

• Current Assignee: RelyData, LLC
• Original Assignee: RelyData, LLC
• Inventors: Steen, Garnet Hugh
• Application Number:
  US11/935,150
• Publication Number:
  US 20090119116A1
• Time in Patent Office: Days
• US Class Current: 705/38
• CPC Class Codes: G06Q 10/109 Time management, e.g. calendars, reminders, meetings or time accounting
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

Methods and systems are described for a credit report reminding service. A reminder service receives credit report reminder requests and credit report retrieval history from one or more consumers, such that one or more servers, software applications and databases are used to store and generate one or more consumer credit report retrieval schedules. The reminder service transmits credit report reminders to consumers based on the credit report retrieval schedules, and receives acknowledgements from the consumers when they have retrieved free credit reports.

Claims

1. A method for reminding a consumer to obtain a plurality of free credit reports from a plurality of credit reporting bureaus, comprising:

receiving a request from the consumer, through a user interface, to provide reminders to obtain free credit reports from the plurality of credit reporting bureaus;

querying the consumer, through the user interface, for identification information and past credit reporting information;

storing the identification information and past credit reporting information into one or more databases;

determining, using the past credit reporting information, a first date on which a reminder is to be sent to the consumer with respect to a first credit reporting bureau in the plurality of credit reporting bureaus; and

transmitting a reminder message to the consumer on approximately the first date, across a communication network, to obtain a free credit report from the first credit reporting bureau.

2. The method of claim 1 further comprising:

receiving a notification across a communication network that the consumer has obtained a free credit report from the first credit reporting bureau;

determining, using the received notification, a new date on which a reminder is to be sent to the consumer with respect to a first credit reporting bureau in the plurality of credit reporting bureaus; and

transmitting a reminder message to the consumer on approximately the determined new date, across a communication network, to obtain a free credit report from the first credit reporting bureau.

3. The method of claim 1 farther comprising:

determining, using the past credit reporting information, a second date on which a reminder is to be sent to the consumer with respect to a second credit reporting bureau in the plurality of credit reporting bureaus; and

transmitting a reminder message to the consumer on approximately the second date, across a communication network, to obtain a free credit report from the second credit reporting bureau.

4. The method of claim 3 wherein the first date and second date are staggered with respect to the number of credit reporting bureaus in the plurality.

5. A method according to claim 1, further comprising periodically retransmitting a reminder message to the consumer a predetermined period after a first date, across a communication network, to obtain a free credit report from the first credit reporting bureau, if no notification is received wherein the notification states that the consumer has obtained a free credit report from the first credit reporting bureau.

6. A method according to claim 1, further comprising providing a link in the reminder message, wherein clicking the link allows a consumer to obtain a free credit report from the first credit reporting bureau.

7. A method according to claim 1, wherein the reminder message may be selected from a group consisting of an e-mail, a text message, an instant message, an image message, voice mail, and web page.

8. A method according to claim 1, wherein the communication network be selected from a group consisting of a wireless network, a computer network, and a voice communication network.

9. A system for reminding a consumer to obtain a plurality of free credit reports from a plurality of credit reporting bureaus, comprising:

a user interface that receives information from and reports information to the consumer;

a communication network that transmits queries, notifications, reminder messages, identification information, and past credit reporting information between a user interface and a server;

a server that transmits information to and receives information from a user interface, across a communication network and stores information in and accesses information from one or more databases;

one or more databases that store consumer identification information and past credit reporting information; and

a software application that processes database information to provide a consumer a reminder to obtain a plurality of free credit reports from a plurality of credit reporting bureaus.

10. A system according to claim 9, wherein the server comprises a processor wherein the processor implements the software application;

and memory wherein the memory stores the software application.

11. A system according to claim 9, wherein the software application periodically analyzes the database consumer identification information and past credit reporting information to determine whether to transmit to a consumer a reminder message to obtain a plurality of free credit reports from a plurality of credit reporting bureaus, wherein the software application analysis comprises of:

analyzing consumer past credit reporting information;

determining, using the past credit reporting information, a first date on which a reminder is to be sent to the consumer with respect to a first credit reporting bureau in the plurality of credit reporting bureaus;

transmitting a reminder message to the consumer on approximately the first date, across a communication network, to obtain a free credit report from the first credit reporting bureaus.

12. A system according to claim 9, wherein the software application analysis further comprises:

determining, using the past credit reporting information, a second date on which a reminder is to be sent to the consumer with respect to a second credit reporting bureau in the plurality of credit reporting bureaus;

transmitting a reminder message to the consumer on approximately the second date, across a communication network, to obtain a free credit report from the second credit reporting bureau;

wherein the first date and second date are staggered with respect to the number of credit reporting bureaus in the plurality.

13. A system according to claim 9, wherein the software application analysis further comprises of periodically retransmitting a reminder message the consumer a predetermined period after a first date, across a communication network, to obtain a free credit report from the first credit reporting bureau, if no notification is received wherein the notification states that the consumer has obtained a free credit report from the first credit reporting bureau.

14. A system according to claim 9, further comprising a link in the reminder message, wherein clicking the link allows a consumer to obtain a free credit report from the first credit reporting bureau.

15. A method for reminding a consumer to obtain a plurality of free credit reports from a plurality of credit reporting bureaus, comprising:

requesting a credit reporting reminder service by a consumer, through a user interface, to provide reminders to obtain free credit reports from the plurality of credit reporting bureaus;

providing the credit reporting reminder service, through a user interface identification information and past credit reporting information;

receiving a reminder message from the credit reporting reminder service on approximately a first date, across a communication network, to obtain a free credit report from a first credit reporting bureau; and

transmitting a notification across a communication network that notifies the credit report reminder service that the consumer has obtained free credit report from the first credit reporting bureau.

16. The method according to claim 15, further comprising receiving a reminder message on approximately a second date, across a communication network, to obtain a free credit report from a second credit reporting bureau wherein the first date and second date are staggered with respect to the number of credit reporting bureaus in the plurality.

17. A method according to claim 15, further comprising of periodically receiving a reminder message a predetermined period after a first date, across a communication network, to obtain a free credit report from the first credit reporting bureau, if no notification is received by the credit report reminder service from the consumer wherein the notification states that the consumer has obtained a free credit report from the first credit reporting bureau.

18. A method according to claim 15, further comprising clicking a link in the reminder message, to obtain a free credit report from the first credit reporting bureau.

19. A method according to claim 15, wherein the reminder message may be selected from a group consisting of an e-mail, a text message, an instant message, an image message, voice mail, and pop-up web page.

20. A method according to claim 15, wherein the communication network be selected from a group consisting of a wireless network, a computer network, and a voice communication network.