SYSTEMS AND METHODS FOR DETERMINING THIN-FILE RECORDS AND DETERMINING THIN-FILE RISK LEVELS
First Claim
1. A computing system, comprising:
- a computer-readable storage comprising a database and storing a plurality of records, the plurality of records comprising demographic data and credit data;
a processor configured to access the plurality of records in the computer-readable storage and configured to filter the records according to whether the records include a predetermined amount of credit data;
a thin-file module configured to access the filtered records and determine demographic data that is correlated to the records that include the predetermined amount of credit data; and
a filter configured to predict the propensity of records including the predetermined amount of credit data based on the correlated demographic data.
3 Assignments
0 Petitions
Accused Products
Abstract
In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.
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Citations
1 Claim
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1. A computing system, comprising:
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a computer-readable storage comprising a database and storing a plurality of records, the plurality of records comprising demographic data and credit data; a processor configured to access the plurality of records in the computer-readable storage and configured to filter the records according to whether the records include a predetermined amount of credit data; a thin-file module configured to access the filtered records and determine demographic data that is correlated to the records that include the predetermined amount of credit data; and a filter configured to predict the propensity of records including the predetermined amount of credit data based on the correlated demographic data.
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Specification