Patent ID: 9536263
Date: 2017-01-03
CPC Classifications: G06Q

Claim:
1. A computerized method of determining a user's debt services options, comprising: requesting, by a computing system having one or more computer processors, from a remote credit reporting system storing credit data attributes for a plurality of users, a first plurality of credit data attributes of a first user; applying a debt score algorithm, by the computing system to the first plurality of credit data attributes of the first user obtained from the remote credit reporting system to calculate a debt score of the first user, accessing a data structure storing at least a first threshold associated with a first debt service and a second threshold, lower than the first threshold, associated with a second debt service; comparing the calculated debt score of the first user to the first threshold; in response to determining that the calculated debt score is less than the first threshold, including the first debt service in a set of potentially available debt services; comparing the calculated debt score of the first user to the second threshold; in response to determining that the calculated debt score is less than the second threshold, including the second debt service in the set of potentially available debt services; generating, by the computing system, user interface data configured for rendering on a user computing device of the first user to display a user interface on a display of the user computing device, the user interface indicating at least: