Credit report timeline user interface

  • US 9,710,852 B1
  • Filed: 04/22/2014
  • Issued: 07/18/2017
  • Est. Priority Date: 05/30/2002
  • Status: Active Grant
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First Claim
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1. A computing system for reconciling and presenting a credit event from a plurality of credit bureaus, the computing system comprising:

  • one or more hardware computer processors; and

    one or more storage devices configured to store software instructions configured for execution by the one or more hardware computer processors, wherein the software instructions comprise;

    a credit data gathering module configured to;

    access first credit data associated with a consumer from a first credit bureau, wherein the first credit data comprise a first set of credit events;

    access second credit data associated with the consumer from a second credit bureau, wherein the second credit data comprise a second set of credit events wherein at least a subset of the second set of credit events describes same credit events in the first set of credit events; and

    identify a plurality of credit events from the first credit data and the second credit data associated with the consumer, wherein the plurality of credit events comprise the subset of the second set of credit events;

    a timeline generation module configured to;

    for each credit event of the plurality of credit events;

    determine a first credit score impact for the first credit bureau;

    determine a second credit score impact for the second credit bureau;

    determine a first visual indicator for the first credit bureau indicating the first credit score impact associated with the credit event; and

    determine a second visual indicator associated with the second credit bureau indicating the second credit score impact associated with the same credit event; and

    organize the plurality of credit events and associated credit score impacts into a chronological order;

    a user interface module configured to;

    using the accessed credit data, the organized plurality of credit events, and the determined visual indicators, automatically generate and transmit a user interface to a computing device of a user, the user interface including;

    (1) a credit event timeline indicating the plurality of credit events in the chronological order,(2) descriptions of the plurality of credit events and the associated credit score impacts, and(3) the first and the second visual indicators corresponding to the plurality of credit events.

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