System and method for outputting a credit risk report based on debit data

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United States of America Patent

PATENT NO 8694420
SERIAL NO

12819980

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Abstract

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An apparatus and method for utilizing debit data to report credit risk, the apparatus having an inquiry server, a credit database, a debit database and a scorecard database. The inquiry server generating a credit risk score and report based solely on credit data when sufficient, based on a combination of credit and data when credit data is present but insufficient, and based solely on debit data when no credit data is present.

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Patent Owner(s)

  • EXPERIAN INFORMATION SOLUTIONS, INC.

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Oliai, Stanley D La Verne, US 1 82

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