Multi-bureau credit file freeze and unfreeze
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United States of America Patent
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Oct 17, 2017
Issued Date -
N/A
app pub date -
Nov 4, 2016
filing date -
Aug 14, 2008
priority date (Note) -
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status (Latency Note)
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Abstract
The systems and methods described herein allow consumers to lock or unlock their credit files at multiple credit bureaus in real-time or near real-time. The service may allow a consumer to provide identifying information, such as a personal identifier to lock or unlock credit files at a plurality of credit bureaus over a network. Upon receiving the personal identifier, the system may use the personal identifier to translate the identifier into a plurality of access codes for respective credit bureaus, for example by accessing a data structure, such as a database or table, that stores a personal identifier and access codes that are associated with a consumer. The system may then use the access codes to automatically initiate locking or unlocking of credit files for the consumer at the respective credit bureaus.
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