Patent ID: 8515842

Claim:
A system for automatically monitoring and on a recurring basis optimizing consumer credit scores, the system comprising: a server; and a memory in communication the server, the memory storing a logic that is executed by the server to perform operations including: detecting, in real time, a change in an information about a client, the information including the client's personal information and financial product information about the client, the financial product information including account information and credit information, the information being stored in a data warehouse and being updated from a client interface for receiving client-input information and from a plurality of sources including financial institutions, credit bureaus, public records, and third party sources; creating one or more hypothetical scenarios based on a pattern of behavior observed in the financial product information, wherein the one or more hypothetical scenarios include potential future actions that have not yet been performed by the client; generating a potential credit score for each hypothetical scenario; evaluating and comparing a plurality of the potential credit scores to determine an optimal credit score; and generating an alert to be transmitted to the client, the alert identifying a recommended action to be performed by the client to achieve or maintain the optimal credit score.