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Credit score and scorecard development

  • US 8,364,582 B2
  • Filed: 08/08/2012
  • Issued: 01/29/2013
  • Est. Priority Date: 10/29/2004
  • Status: Active Grant
First Claim
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1. A method comprising:

  • estimating, by a computer-based system for developing a credit score, credit-related data of a consumer using an amount of identified balance transfers of the consumer and a model of consumer spending patterns, and wherein the computer-based system comprises a processor and a tangible, non-transitory memory;

    offsetting, by the computer-based system, an identified balance transfer from the estimated credit-related data; and

    determining a credit score for the consumer by using the estimated credit-related data.

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