Patent ID: 8626646
Filing Date: 2014-01-07
Classification: G06F,G06Q

Abstract:
1. A computer implemented method for generating an attribute from raw tradeline data from a plurality of credit data sources, the method comprising: retrieving, with an attribute generation system, raw tradeline data from each of a plurality of credit data sources, wherein each of the plurality of credit data sources comprises a first subset of data and a second subset of data, and wherein the raw tradeline data is retrieved from the respective second subsets; retrieving industry code data related to the second subsets of data from each of the plurality of credit data sources; determining one or more tradeline characteristics associated with a subset of the retrieved industry code data to select as leveling characteristics for the second subsets of data, wherein the leveling characteristics are configured to yield substantially consistent tradeline data across the plurality of credit sources; measuring a difference between the tradeline data from the second subsets across the plurality of credit sources using the selected leveling characteristics; determining that the difference meets at least one predefined threshold; and generating a leveled attribute for the second subsets of data using the selected leveling characteristics, wherein the attribute generation system comprises a computer processor and an electronic memory storage.