Debt services candidate locator

  • US 9,972,048 B1
  • Filed: 12/16/2016
  • Issued: 05/15/2018
  • Est. Priority Date: 10/13/2011
  • Status: Active Grant
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First Claim
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1. A computerized method of determining a user'"'"'s debt services options, comprising:

  • receiving a request for a debt score for a consumer;

    accessing, from an electronic data store, credit data of the consumer;

    calculating, with one or more hardware computer processors, said debt score based on at least the accessed credit data of the consumer using one or more customized debt score algorithms associated with one or more debt services providers, wherein the debt score is usable to determine a likelihood of the consumer being eligible for each of multiple debt services options;

    generating, by a computing system, user interface data configured for rendering on a user computing device of a user to display a user interface on a display of the user'"'"'s computing device, the user interface indicating at least;

    the calculated debt score;

    one or more potentially available debt services options, based on the calculated debt score;

    in response to the user'"'"'s selection of a potentially available debt service option,initiating contact with a debt services provider associated with the selected debt services options; and

    generating a negotiated debt settlement agreement between the user and the debt services provider.

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