Systems and methods for determining thin-file records and determining thin-file risk levels
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United States of America Patent
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Sep 20, 2011
Grant Date -
Nov 25, 2010
app pub date -
Jun 17, 2010
filing date -
Apr 12, 2007
priority date (Note) -
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Abstract
In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are “good” or “bad” risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.
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