Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2003-05-30
2009-10-27
Dass, Harish T (Department: 3692)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S035000, C705S037000, C705S038000, C705S040000
Reexamination Certificate
active
07610229
ABSTRACT:
A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real credit data and the submitted hypothetical values to calculate a simulated credit score based on a simulator scorecard. The consumer may then observe the changes in the resultant scores. The system and the scorecard may utilize fewer data elements than a complete credit-worthiness scorecard and may instead focus on the key elements affecting a consumer's credit score. The system may be implemented in part on a web server or as a stand-alone application. The system may also update the score dynamically as the consumer adjusts the hypothetical values or may require the consumer to affirmatively submit the new hypothetical data.
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Experian Announces PLUS Score; Experian Press
Elliott Constance A.
Greenwald Joseph L.
Kornegay Adam T.
Dass Harish T
Experian Information Solutions, Inc.
Fields Benjamin S
Knobbe Martens Olson & Bear LLP
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