Credit Report-Based Predictive Models
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United States of America Patent
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N/A
Issued Date -
Aug 28, 2008
app pub date -
Feb 26, 2008
filing date -
Feb 27, 2007
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
An example embodiment provides for systems, apparatuses and methods directed to determining the likelihood that a given individual may need or obtain a credit product. This is accomplished by obtaining non-contemporaneous snapshots of credit files and using the non-contemporaneous snapshots to build a predictive model to determine a likelihood that a given individual will be needing a credit product. In one implementation, the credit product is a non-credit product. Other systems, apparatuses and methods can also be employed to sell preferential placement of advertisements on a website.
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