Patent ID: 7556192

Claim:
A computer-implemented method for determining a credit risk associated with a customer, comprising: receiving a credit request from the customer, wherein the credit request includes demographic information related to the customer and includes a request for at least one of an installment loan, a credit card product, an auto loan, or a mortgage; electronically receiving check-writing behavior information associated with the customer, wherein the check-writing behavior information includes information regarding whether the customer is associated with one or more bad checks; electronically receiving credit bureau information reflecting a credit worthiness of the customer determined by a credit bureau; electronically determining the credit risk of the customer for the credit request based on a determined combination of factors related to the demographic information, the check-writing behavior information associated with the customer, and the credit bureau information; determining a credit eligibility for the customer based on the determined credit risk; and presenting the determination of credit eligibility to the customer.