Debt services candidate locator
First Claim
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1. A computerized method of determining a user'"'"'s debt services options, comprising:
- receiving a request for a debt score for a consumer;
accessing, from an electronic data store, credit data of the consumer;
calculating, with one or more hardware computer processors, said debt score based on at least the accessed credit data of the consumer using one or more customized debt score algorithms associated with one or more debt services providers, wherein the debt score is usable to determine a likelihood of the consumer being eligible for each of multiple debt services options;
generating, by a computing system, user interface data configured for rendering on a user computing device of a user to display a user interface on a display of the user'"'"'s computing device, the user interface indicating at least;
the calculated debt score;
one or more potentially available debt services options, based on the calculated debt score;
in response to the user'"'"'s selection of a potentially available debt service option,initiating contact with a debt services provider associated with the selected debt services options; and
generating a negotiated debt settlement agreement between the user and the debt services provider.
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Abstract
Methods and systems are disclosed that identify and locate debt settlement candidates based on credit data associated with the consumer. For example, candidacy may be based on a debt score, generated by an assessment of the consumer'"'"'s credit data. Credit data may include the consumer'"'"'s credit score rank, credit score, revolving credit to debit ratio, credit available, delinquent accounts, negative accounts, instances of negative information on their credit report, public record data, average account age, debit, or a combination thereof.
1434 Citations
5 Claims
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1. A computerized method of determining a user'"'"'s debt services options, comprising:
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receiving a request for a debt score for a consumer; accessing, from an electronic data store, credit data of the consumer; calculating, with one or more hardware computer processors, said debt score based on at least the accessed credit data of the consumer using one or more customized debt score algorithms associated with one or more debt services providers, wherein the debt score is usable to determine a likelihood of the consumer being eligible for each of multiple debt services options; generating, by a computing system, user interface data configured for rendering on a user computing device of a user to display a user interface on a display of the user'"'"'s computing device, the user interface indicating at least; the calculated debt score; one or more potentially available debt services options, based on the calculated debt score; in response to the user'"'"'s selection of a potentially available debt service option, initiating contact with a debt services provider associated with the selected debt services options; and generating a negotiated debt settlement agreement between the user and the debt services provider. - View Dependent Claims (2, 3, 4, 5)
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Specification