Patent ID: 8498930
Filing Date: 2013-07-30
Classification: G06Q

Abstract:
1. A computer implemented method for the automated generation and display of an electronic, single-page summary report aggregating key data from a consumer's multiple electronic credit reports, comprising the steps of: causing a summary document creation server computer executing a summary document creation engine to receive a consumer's credit report data from each of a plurality of credit bureaus; identifying at said summary document creation server computer the consumer's current credit scores from said credit report data; determining at said summary document creation server computer a score type for each of said current credit scores; determining at said summary document creation server computer whether a mid-score flag is to be assigned to a single one of the current credit scores; assigning at said summary document creation server computer a mid-score type label to a mid-score flag that has been assigned; determining at said summary document creation server computer a forecasted mid-score for said consumer 30 days in the future; determining at said summary document creation server computer a projected mid-score for said consumer resulting from a hypothetical increase in an amount of said consumer's revolving debt; determining at said summary document creation server computer whether a key indicator flag is to be assigned to each of a plurality of key indicators, wherein presence of a key indicator flag is indicative of the presence of negative credit report information associated with a key indicator in said consumer's credit report; combining at said summary document creation server computer said current credit scores, an indicator of said mid-score type label, said forecasted mid-score, said projected mid-score, and key indicators for which key indicator flags have been assigned into a single electronic form summary document; and transmitting said single electronic form summary document to a third party computer.