METHODS, SYSTEMS, AND APPARATUS FOR LOWERING THE INCIDENCE OF IDENTITY THEFT IN CONSUMER CREDIT TRANSACTIONS
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United States of America Patent
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Issued Date -
Jul 3, 2008
app pub date -
Jan 2, 2008
filing date -
Jan 2, 2007
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A process, system, and apparatus are may lower the incidence of identity theft in consumer credit transactions through the use of an identity score. In a representative context, the entities involved include a prospective debtor, a prospective creditor, and a credit bureau. The credit bureau provides background information to the prospective creditor regarding the prospective debtor's credit risk. A process provides certain additional information to enhance this value and make it more resistant to misuse by fraudulent parties who stand in the shoes of prospective debtors. The process will also be used in conjunction with other current methods that prospective creditors employ in making such determinations, such as credit scores.
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