Patent ID: 8589286

Claim:
A system for simulating a financial risk score, the method comprising: computer hardware comprising a computer processor and computer memory in communication with the computer processor, wherein the computer processor is configured to execute instructions stored in the computer memory to cause the computer hardware to perform operations defined by the instructions; means for receiving financial data about a consumer and an initial financial risk score of the consumer that is calculated based upon the financial data; means for receiving a financial objective related to improving the financial risk score of the consumer; and means for running a plurality of scenarios in which hypothetical changes are made to the financial data; means for generating a simulated financial risk score for each of the scenarios; means for comparing the simulated financial risk scores with the initial financial risk score; means for identifying at least one scenario that would achieve the financial objective based upon the simulated financial risk score for that scenario; and means for communicating the hypothetical changes and the simulated financial risk score associated with the identified scenario.