Systems and methods of on-line credit information monitoring and control

• US 8,515,844 B2
• Filed: 05/15/2012
• Issued: 08/20/2013
• Est. Priority Date: 09/21/2002
• Status: Active Grant

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Kasower, Sheldon
• Primary Examiner(s): Shaikh, Mohammad Z
• Application Number:
  US13/471,859
• Publication Number:
  US 20120303514A1
• Time in Patent Office: 462 Days
• Field of Search: 705 35- 45
• US Class Current: 705/35
• CPC Class Codes: G06F 16/9558 Details of hyperlinks; Management of linked annotations
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• 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

Systems and methods of on-line credit information monitoring and control. In one embodiment, a server computer accesses and retrieves credit information relating to a consumer. The server computer may also provide a user interface with active links associated with credit items. The links may allow the consumer to communicate directly with a credit service. The server computer may offer additional credit-related services such as credit report retrieval, credit monitoring, notifications, identity theft management, interest rate calculations, historical archives, and account management.

Claims

1. A computing system comprising:

one or more processors configured to execute a plurality of software modules, the software modules including at least;

a credit retrieval module configured to access credit information relating to a consumer, the credit information comprising a plurality of credit items, each credit item being associated with a specific credit service; and

a user interface module configured to generate data configured to cause display of a user interface, said user interface comprising a plurality of active links in one or more web pages and/or electronic communications, each one of said active links being associated with a respective one of the plurality of credit items, wherein each of said active links is configured to enable the consumer to communicate directly with one of the credit services regarding one of the credit items by selecting the active link associated with the credit item.

2. The computing system of claim 1, wherein the credit retrieval module is further configured to compute a credit score of the consumer based upon the credit information.

3. The computing system of claim 2, wherein the user interface further includes indications of the credit information and the credit score.

4. The computing system of claim 2, further comprising a storage module configured to store the credit information and the credit score in a computer-readable storage medium.

5. The computing system of claim 1, wherein the credit retrieval module is further configured to access updated credit information on a periodic basis, and further configured to determine changes in the updated credit information.

6. The computing system of claim 5, wherein the credit retrieval module is further configured to archive the updated credit information.

7. The computing system of claim 5, wherein the credit retrieval module is further configured to create an alert in response to a determination of changes in the updated credit information.

8. The computing system of claim 7, wherein the credit retrieval module is further configured to transmit the alert to the consumer.

9. The computing system of claim 1:

wherein the user interface module is further configured to generate second data configured to cause display of a second user interface enabling the consumer to report an identity theft;

wherein the user interface module is further configured to generate third data configured to cause display of forms enabling the consumer to report the identity theft to selected organizations; and

wherein the user interface module is further configured to receive user form inputs from the consumer, the user form inputs being based on the displayed forms, and to provide the user form inputs to the selected organizations.

10. The computing system of claim 1, further comprising an interest rate calculation module configured to compute expected interest rates based on the credit information relating to the consumer, the interest rate calculation module further configured to transmit the expected interest rates to the consumer.

11. The computing system of claim 1, further comprising a storage module configured to archive the credit information relating to the consumer.

12. The computing system of claim 11, wherein the storage module is further configured to access the archived credit information.

13. The computing system of claim 1, wherein the user interface module is further configured to provide a login interface enabling the consumer to log onto the system by a computer.

14. The computing system of claim 1, wherein the plurality of active links is a plurality of links to report inaccuracies of the credit items.

15. The computing system of claim 1, wherein the plurality of credit items is associated with the same credit service or with different credit services.

16. The computing system of claim 1, wherein each of the plurality of active links is associated with one credit item, and the computing system computer is further configured to generate a form for directly contacting at least one of the credit services via mail.

17. The computing system of claim 1, wherein the credit services are credit grantors.

18. The computing system of claim 1, wherein the credit services are credit bureaus.

19. A computing system configured to automatically monitor an individual'"'"'s credit information, the computing system comprising:

one or more hardware processors configured to execute a plurality of software modules including at least;

a monitoring service module configured to identify a change in credit information received from a credit data repository, the credit data information being associated with an individual; and

an alert module configured to provide an online alert message to the individual, the online alert message comprising data associated with the identified change in the credit information, the online alert message comprising a plurality of links, each of the plurality of links being configured to initiate a communication between the individual and a credit issuer associated with the respective link, the online alert message further configured to provide the individual with information usable to communicate directly with the credit data repository.

20. The computing system of claim 19, wherein the credit data repository comprises a credit bureau.

21. The computing system of claim 19, wherein the credit issuers include a credit grantor.

22. The computing system of claim 19, wherein the credit issuers include a credit bureau.

23. The computing system of claim 19, wherein the credit issuers include the credit data repository.

24. The computing system of claim 19, wherein the online alert message comprises one or more web pages and/or electronic communications.

25. The computing system of claim 19, further comprising a network communications module configured to receive a request to monitor credit information associated with the individual, the request comprising identifying information relating to the individual, wherein the monitoring service module is further configured to initiate a monitoring service in response to the received request.

26. The computing system of claim 25, wherein initiating a monitoring service comprises periodically gathering, from the credit data repository, credit information associated with the individual based at least in part on the identifying information relating to the individual, the credit information comprising one or more credit items associated with credit issuers, wherein the plurality of links are based at least in part upon the one or more credit items.

27. A method for credit information monitoring, the method comprising:

accessing, by a computing system comprising one or more computer processors, credit information relating to a consumer, the credit information comprising a plurality of credit items, each credit item being associated with a specific credit service; and

generating, by the computing system, user interface data configured to cause display of a user interface, said user interface comprising a plurality of active links in one or more web pages and/or electronic communications, each one of said active links being associated with a respective one of the plurality of credit items, wherein each of said active links is configured to enable the consumer to communicate directly with one of the credit services regarding one of the credit items by selecting the active link associated with the credit item.

28. The method of claim 27, wherein the plurality of active links comprises one or more links to report inaccuracies of respective credit items.

29. The method of claim 27, wherein each of the plurality of active links is associated with one credit item.

30. The method of claim 27, wherein one or more of the credit services comprise credit grantors.

31. The method of claim 27, wherein one or more of the credit services comprise credit bureaus.

32. A tangible computer-readable storage medium having instructions stored thereon, the instructions configured for execution by a computing system in order to cause the computing system to:

access credit information relating to a consumer, the credit information comprising a plurality of credit items, each credit item being associated with a specific credit service; and

generate user interface data configured to display of a user interface, said user interface comprising a plurality of active links in one or more web pages and/or electronic communications, each one of said active links being associated with a respective one of the plurality of credit items, wherein each of said active links is configured to enable the consumer to communicate directly with one of the credit services regarding one of the credit items by selecting the active link associated with the credit item.

33. The tangible computer-readable storage medium of claim 32, wherein the plurality of active links comprises one or more links to report inaccuracies of respective credit items.

34. The tangible computer-readable storage medium of claim 32, wherein each of the plurality of active links is associated with one credit item.

35. The tangible computer-readable storage medium of claim 32, wherein one or more of the credit services comprise credit grantors.

36. The tangible computer-readable storage medium of claim 32, wherein one or more of the credit services comprise credit bureaus.