Patent ID: 11954731
Assignee: EXPERIAN INFORMATION SOLUTIONS, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 16:
17. A non-transitory computer readable medium storing computer-executable instructions that, when executed by one or more computer systems, configure the one or more computer systems to perform operations comprising:
electronically obtaining raw tradeline data from each of a plurality of credit data sources over a network that is configured to communicate with the plurality of credit data sources, wherein the raw tradeline data is stored in different formats by the plurality of credit data sources;
electronically obtaining raw tradeline data from each of a plurality of credit data sources, wherein the raw tradeline data is stored in different formats by the plurality of credit data sources;
accessing raw tradeline data associated with a subset of code data from each of the plurality of credit data sources;
designating a plurality of lowest common denominators from the subset of the code data as selected characteristics, wherein the plurality of lowest common denominators comprise a minimum set of overlapping codes associated with the plurality of credit data sources;
using the accessed raw tradeline data from each of the plurality of credit data sources to generate test tradeline data using the selected characteristics;
measuring a correlation between the accessed raw tradeline data and the generated test tradeline data for each of the plurality of credit data sources;
adjusting the selected characteristics based on a determination that the correlation measurement does not meet at least one threshold, wherein adjusting the selected characteristics updates the subset of the code data; and
repeating said using, measuring, and adjusting until the selected characteristics generate a correlation measurement that meets the at least one threshold;
based on a determination that the correlation measurement meets the at least one threshold, identifying tradeline characteristics associated with the updated subset of the code data; and
generating the leveled attribute using the identified tradeline characteristics.