Multi-bureau credit file freeze and unfreeze

  • US 9,489,694 B2
  • Filed: 02/04/2016
  • Issued: 11/08/2016
  • Est. Priority Date: 08/14/2008
  • Status: Active Grant
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First Claim
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1. A computer system configured to manage access of credit data of a user at each of a plurality of credit bureaus, wherein the credit data of the user is locked at the plurality of credit bureaus such that the credit data cannot be accessed without prior authorization from the user, the computer system comprising:

  • a server including;

    one or more hardware processors;

    a credit file access component configured for execution by the one or more hardware processors to access credit files stored remotely at multiple credit bureaus; and

    a storage device storing;

    personal identifiers for a corresponding plurality of users; and

    for each personal identifier, at least a first access code associated with a first of the multiple credit bureaus and a second access code associated with a second of the multiple credit bureaus; and

    a computing device, remotely located from the server, the computing device including;

    an input device configured to receive personal identifiers from users; and

    a communication interface configured to allow the computing device to communicate personal identifiers provided via the input device by respective users to the server;

    wherein the server is configured to, in response to receiving, from the computing device, a first personal identifier of a first user, automatically perform in substantially real time;

    identifying a first access code associated with the first personal identifier in the storage device;

    transmitting the first access code to a first credit bureau with a first access request for the first credit bureau to provide access to first credit data of the user;

    identifying a second access code associated with the first personal identifier in the storage device;

    transmitting the second access code to a second credit bureau with a second access request for the second credit bureau to provide immediate access to second credit data of the user;

    receiving at least one of the first credit data from the first credit bureau and the second credit data from the second credit bureau;

    transmitting at least a portion of the received at least one of the first credit data and the second credit data in substantially real time.

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