Method and apparatus for a consumer interactive credit report analysis and score reconciliation adaptive education and counseling system
First Claim
1. A method for providing credit education to a consumer, comprising the steps of:
- building a personal profile of the consumer;
retrieving credit report data for the consumer; and
characterizing the consumer'"'"'s credit performance.
2 Assignments
0 Petitions
Accused Products
Abstract
An interactive credit report educational and counseling system provides a method and system for compiling, presenting and explaining a consumer'"'"'s credit report in an easier to understand and more user friendly format. A consumer'"'"'s credit performance information is characterized and a customized display of a consumer'"'"'s credit report information is provided. Through the customized display of information the user may access detailed explanations regarding the information contained within their credit report. Based on the characterization of the consumer'"'"'s credit performance an action plan may be generated allowing the consumer to receive counseling as to actions to avoid or to take to enhance their credit score, thereby improving their credit worthiness.
250 Citations
25 Claims
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1. A method for providing credit education to a consumer, comprising the steps of:
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building a personal profile of the consumer;
retrieving credit report data for the consumer; and
characterizing the consumer'"'"'s credit performance. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method for counseling a consumer, comprising the steps of:
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building a personal profile of the consumer;
retrieving a credit report data file for the consumer;
characterizing the consumer'"'"'s credit performance; and
generating an action plan. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A system for consumer credit education and counseling, comprising:
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a computing device including a credit report inference engine and credit report interactive intelligent dashboard (CRIID); and
a credit reporting agency communicatively coupled with the computing device, wherein the credit report inference engine retrieves consumer credit report data from the credit reporting agency, characterizes the consumer'"'"'s credit performance information, and wherein a display of such characterization is provided via the CRIID. - View Dependent Claims (21, 22, 23, 24, 25)
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Specification