Patent ID: 8548903

Claim:
A method for evaluating the credit risk of an individual or entity associated with a plurality of trade lines, the method comprising the steps of: identifying using a first computer process executing on a computer processor each of the plurality of trade lines for which the individual or entity is an authorized user; combining using a second computer process executing on a computer processor at least one characteristic of all said authorized user trade lines to produce an authorized user trade line total; combining using a third computer process executing on a computer processor the at least one characteristic of all of the plurality of trade lines for which the individual or entity is a base user to produce a base user trade line total; calculating using a forth computer process executing on a computer processor a ratio between the authorized user trade line total and the base user trade line total, wherein the ratio is indicative of a likelihood that the individual or entity is attempting to misrepresent the risk associated with their credit; and generating using a fifth computer process executing on a computer processor an alert should the ratio exceed a user-defined amount.