Patent ID: 8015107

Claim:
A method for generating simulated credit scores, the method comprising: accessing computer-executable instructions from computer storage; and executing the computer-executable instructions on at least one computer processor to cause a computer to perform operations comprising: generating a first credit score based upon data associated with a consumer and maintained by a credit bureau; receiving hypothetical credit data input by a user, wherein the hypothetical credit data represents at least one change from the credit data maintained by the credit bureau; generating a simulated credit score based at least in part on the received hypothetical credit data; outputting for display the first credit score and the simulated credit score; and at the user's option, receiving additional hypothetical credit data input by the user and generating a different simulated credit score based at least in part on the additional hypothetical credit data; wherein the simulated credit scores are generated using a credit scoring model that simulates but is not a commercially-available credit scoring model.