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Multi-bureau credit file freeze and unfreeze

  • US 9,792,648 B1
  • Filed: 11/04/2016
  • Issued: 10/17/2017
  • Est. Priority Date: 08/14/2008
  • Status: Active Grant
First Claim
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1. A mobile computing device configured to allow a user to remotely unlock credit data of the user at each of a plurality of credit bureaus, wherein the credit data of the user can be unlocked at the plurality of credit bureaus only with prior authorization from the user, the mobile computing device comprising:

  • one or more hardware processors;

    an input device configured to receive an input string representative of a personal identifier from the user; and

    a communication interface configured to allow the mobile computing device to communicate the personal identifier provided via the input device to a server computing system, wherein the server computing system stores a database indicating the personal identifier in association with at least each of a first access code for a first of the plurality of credit bureaus and a second access code for a second of the plurality of credit bureaus;

    wherein the server computing system is configured to;

    receive a request for permission to access credit data of the user from a third party computing device;

    in response to receiving the permission request, automatically perform in substantially real time;

    identify a third party making the permission request,transmit to the mobile computing device a notification indicating the identified third party;

    wherein the mobile computing device is configured to;

    request entry of an input string by the user to allow unlocking of the credit data of the user at each of the plurality of credit bureaus for the identified third party;

    receive the input string from the user via the input device of the mobile computing device; and

    transmit the input string to the server computing system;

    wherein the server computing system is further configured to,identify the input string as a personal identifier in the database;

    request unlocking of the credit data of the user at the first of the plurality of credit bureaus using the first access code; and

    request unlocking of the credit data of the user at the second of the plurality of credit bureaus using the second access code.

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