Patent ID: 8595101

Claim:
A computerized method for tracking consumer data comprising: calculating, by a computer system comprising one or more processors, a plurality of attributes for a first time period for respective consumer accounts associated with a lender, wherein the attributes comprise at least one of total revolving debt, total credit utilization, credit balance, or credit limit; calculating the same plurality of attributes for a first subsequent time period for the same respective consumer accounts; determining whether one or more calculated attributes for respective consumer accounts for the first subsequent time period and for the first time period meet respective thresholds of change associated with the attributes, wherein the thresholds of change are indicative of warning signs to the lender; and in response to determining that one or more thresholds of change are met, outputting (1) notifications indicating the consumer accounts for which one or more of the calculated attributes meet the one or more thresholds of change and (2) information about which of the one or more thresholds of change are met.