Methods and apparatus for updating credit bureau data
First Claim
1. A credit reporting transport server comprising:
- a security module;
a credit data provider user interface module operatively coupled to the security module;
a database interface module operatively coupled to the security module;
a credit bureau update module operatively coupled to the database interface module, wherein the credit bureau update module sends updated data to a credit bureau in Metro2 data format; and
a credit accounts data module operatively coupled to the database interface module.
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Accused Products
Abstract
Methods and apparatus to update credit bureau data are disclosed. The methods and apparatus provide a credit reporting transport server that stores credit information sent by the credit data providers. This data may be queued by the credit reporting transport server and forwarded to the credit bureau servers. Although credit data providers still receive credit reports based on this data from the credit bureaus, the data stored by the credit reporting transport server may be reviewed and modified by the submitting credit data provider at any time. Modified data is then sent to the credit bureaus to keep the credit bureau database up to date. In addition, the credit reporting transport server checks for errors, corrects some error, logs the transaction, and issues an electronic receipt to the credit data provider indicating the status of the data update.
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Citations
8 Claims
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1. A credit reporting transport server comprising:
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a security module; a credit data provider user interface module operatively coupled to the security module; a database interface module operatively coupled to the security module; a credit bureau update module operatively coupled to the database interface module, wherein the credit bureau update module sends updated data to a credit bureau in Metro2 data format; and a credit accounts data module operatively coupled to the database interface module. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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Specification