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Automated Credit/Debt Management Counsel By Isaiah Bond

  • US 20100023434A1
  • Filed: 07/27/2008
  • Published: 01/28/2010
  • Est. Priority Date: 07/27/2008
  • Status: Abandoned Application
First Claim
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1. A method for providing online automated web-based credit &

  • debt management counseling over the internet comprising;

    providing a plurality of unique packages, each including a unique combination of available computer consulting and live consulting, the live consulting being performed by an employee/independent contractor;

    developing a service agreement with a user for a desired service level of credit/debt management counseling;

    receive from the user a desired service level selected from the plurality of available unique service levels listed;

    grade credit/debt management risk levels via a credit/debt management risk evaluator that will determine the health levels that will in return generate automated credit/debt management counseling to further context and individualize sensitive automated credit/debt related computer consulting information to the user using a coaching engine based on the statistical logic rule-based engine and credit/debt management common studies defining a negative from a positive off of public data credit reports or manual user input of general debt data that will predict the most probable grade decision based on computer automated system data inputted by someone trained in the arts of credit/debt management/consulting;

    risk tolerance levels based on a letter grading system (A, B, C, D, F);

    suggest how to improve topics in relations to credit/debt management matters based on the data provided to the system whether by third party credit vendor or manually inputted by the user. Negotiate fees to be charged to the user based upon package level the user has decided to go with that may be revised during the relationship. Automatically analyze and individualize the credit/debt management needs of the user;

    including but not limited to identifying all of the negative items that can impact users credit or debt management stability;

    Remind user to pay debts by email alert on a monthly basis for acknowledged debts registered with system.

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