Patent ID: 8868457
Filing Date: 2014-10-21
Classification: G06Q

Abstract:
1. A computer-implemented method for providing firm offers of credit to a consumer comprising: receiving, by one or more processors, consumer information from a consumer via a network; receiving, by the one or more processors, via the network from the consumer, a selection to opt in to a credit prescreen or a selection to opt in to a service including the credit prescreen; submitting, by the one or more processors, to a credit reporting agency via the network, at least a portion of the consumer information; receiving, by the one or more processors, from the credit reporting agency via the network, a list including at least one firm offer of credit provided by at least one credit issuer and resulting from the credit reporting agency performing the credit prescreen, the credit prescreen including: providing, by the one or more processors, to the consumer via the network, the list including the at least one firm offer of credit.