Patent ID: 7844520
Filing Date: 2010-11-30
Classification: G06Q

Abstract:
1. A computing system implemented process for monitoring credit reports comprising: obtaining electronic transaction data associated with a given user from two or more sources of electronic transaction data using a computing system implemented financial management system, the electronic transaction data including electronic transaction data associated with at least one credit account and electronic transaction data associated with at least one account other than a credit account, the computing system implemented financial management system having the capability to categorize the electronic transaction data as income or expense electronic transaction data and to associate the electronic transaction data with one or more events; storing the electronic transaction data obtained using the computing system implemented financial management system; obtaining credit report credit account data for the at least one credit account from a credit report; storing the credit report credit account data; analyzing the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; detecting a transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; alerting the given user of the computing system implemented process for monitoring credit reports of the transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account; and alerting a financial institution maintaining the at least one credit account of the transaction discrepancy between the electronic transaction data associated with the at least one credit account obtained using the computing system implemented financial management system and the credit report credit account data for the at least one credit account.