Multi-bureau credit file freeze and unfreeze

  • US 10,115,155 B1
  • Filed: 09/14/2017
  • Issued: 10/30/2018
  • Est. Priority Date: 08/14/2008
  • Status: Active Grant
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First Claim
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1. A computing system 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 authorization from the user, the computing system comprising:

  • a touchpad computing device configured to receive an identifier of the user; and

    a communication interface configured to allow the touchpad computing device to communicate a credit data sharing authorization to a server computing system, wherein the server computing system stores a database indicating an identifier of the user in association with at least each of a first access protocol for a first credit bureau of the plurality of credit bureaus and a second access protocol for a second credit bureau of the plurality of credit bureaus;

    wherein the touchpad computing device is configured to;

    present a user interface indicating an option for the user to unlock the credit data of the user at each of the first credit bureau and the second credit bureau;

    detect input requesting unlocking of credit data of the user; and

    in response to detecting the input requesting unlocking of credit data of the user, transmit the credit data sharing authorization to the server computing system;

    wherein the server computing system is further configured to, in response to receiving the credit data sharing authorization from the touchpad computing device;

    determine, based on an association with the identifier of the user, a first access protocol associated with the first credit bureau;

    request unlocking of the credit data of the user at the first credit bureau using the first access protocol;

    determine, based on an association with the identifier of the user, a second access protocol associated with the second credit bureau; and

    request unlocking of the credit data of the user at the second credit bureau using the second access protocol.

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