System and method for interactively simulating a credit-worthiness score
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United States of America Patent
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Dec 18, 2012
Grant Date -
Mar 15, 2012
app pub date -
Sep 2, 2011
filing date -
May 30, 2002
priority date (Note) -
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status (Latency Note)
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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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