Credit utilization tracking and reporting
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United States of America Patent
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Jan 16, 2018
Issued Date -
N/A
app pub date -
Mar 13, 2014
filing date -
Mar 14, 2013
priority date (Note) -
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status (Latency Note)
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Abstract
Credit utilization of a plurality of credit lines associated with a consumer may be stored and/or determined for multiple points in time. Credit utilization at each point in time may be used to indicate a relationship between a total credit limit and an available credit amount for respective credit lines at respective points in time. A computer system may determine one or more thresholds for respective credit lines, which may indicate levels at which a credit score of the consumer may be affected by credit utilization above the respective thresholds. The levels at which a credit score of the consumer may be affected may be determined based on information accessed from one or more credit bureaus and one or more credit score formulae used by the one or more credit bureaus.
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