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Credit score and scorecard development

  • US 20080222027A1
  • Filed: 10/25/2007
  • Published: 09/11/2008
  • Est. Priority Date: 10/24/2005
  • Status: Abandoned Application
First Claim
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1. A method of developing a credit score for a consumer, comprising:

  • (a) modeling consumer spending patterns using individual and aggregate consumer data, including tradeline data, internal customer data, and consumer panel data;

    (b) estimating credit-related data of the individual consumer based on tradeline data of the individual consumer, balance transfers of the individual consumer, and the model of consumer spending patterns; and

    (c) using the estimated credit-related data and credit bureau data about the consumer as attributes in determining a credit score for the individual consumer.

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