Macroeconomic-adjusted credit risk score systems and methods
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United States of America Patent
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Sep 20, 2011
Grant Date -
Jun 10, 2010
app pub date -
Jan 19, 2010
filing date -
Nov 8, 2007
priority date (Note) -
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Abstract
Various embodiments of the present invention provide systems and methods for automatically compensating an individual's credit risk score for macroeconomic data. In particular, various embodiments provide systems and methods to determine a macroeconomic risk score. In addition, various embodiments provide systems and methods to determine an adjusted credit risk score for an individual based on the individual's credit risk score and a macroeconomic risk score that serves as a scale adjuster to keep overall delinquency and/or loss rates in line as economic factors change.
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