System for generating and transmitting credit reports
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
-
Dec 28, 1993
Grant Date -
N/A
app pub date -
Jan 3, 1991
filing date -
Jan 3, 1991
priority date (Note) -
Expired
status (Latency Note)
Importance
Abstract
Systems and methods for generating credit reports. The system includes a central data processing facility (also referred to as a data processor or host computer) which is connectable to the three national credit repositories dedicated data links. The central data processor requests credit information on an applicant from one or more of the repositories, generates a credit report, and transmits the report to the requesting user (i.e., customer). Requests and reports are transmitted via a communications system or network which includes: local telephone lines; Redi-Access; Accunet; and a dedicated, high speed, data transmission channel. If data is inputted from more than one repository, the central data processing facility eliminates duplicated data, selects the best data if there are conflicts, and merges the remaining data into a single report.
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