Patent ID: 7774270
Filing Date: 2010-08-10
Classification: G06Q

Abstract:
1. A method for controlling access to a consumer's credit report stored on a computer, the method comprising: a) providing: b) the consumer entering the user name and user password and the request to lock the user's credit report into the first data entry means; c) executing the first computer-implemented method for processing the request to lock the user's credit report entered into the first data entry means, including transmitting instructions to the computer via data transmission means to lock the user's credit report and thereby prevent access to the user's credit report by an unauthorized requester; d) further providing: e) the consumer further entering the user name and user password into the third data entry means; f) entering: g) associating the user name and the requester to identify the requester as an authorized requester upon entry of the user name and user password and the requestor into the third data entry means, said associating means being operative to associate the user name and the requester and to identify the requester as an authorized requester without the user having to disclose the user password to the requester; h) executing the second computer-implemented method for processing the request for the user's credit report entered into the second data entry means, including: