Dynamic credit score alteration

  • US 7,814,005 B2
  • Filed: 03/09/2006
  • Issued: 10/12/2010
  • Est. Priority Date: 10/19/2004
  • Status: Expired due to Fees
First Claim
Patent Images

1. A method executed using a server comprising:

  • receiving communications from a user at the server, the server configured to provide information to the user via a user computing device regarding a debt owed by the user to a third party;

    providing information to the user regarding the debt via the user computing device;

    causing the server to contact a credit bureau, wherein said causing the server to contact the credit bureau results in user credit score increase information being provided by the credit bureau to the server;

    providing, from the server, an estimate of a specific numerical amount the user'"'"'s credit score will increase when the debt is resolved;

    causing the server to provide the user with the estimate of the amount the user'"'"'s credit score will increase when the debt is resolved and at least one offer to settle the debt, via the user computing device, the at least one offer to settle the debt selectable by the user to resolve the debt; and

    when the user selects at least one offer establishing resolution of the debt, causing the server to provide a positive resolution indication to the credit bureau to facilitate the credit bureau raising the user'"'"'s credit score.

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