Patent ID: 7711635

Claim:
A computer implemented method for estimating a credit score for a consumer that gives the consumer an idea of the consumer's credit health, comprising the steps of: distributing to a partner site one or more files, corresponding to a score estimator tool, for integration into a partner's web site, wherein said score estimator tool generates a score estimator characteristics from the one or more files on said partner site, generates months since oldest date opened associated with the consumer accessing the score estimator tool, determines an exclusion code associated with the calculating code, determines an estimator score algorithm identifier for an estimator score of the score estimator tool, calculates an interim estimator score for the estimator score, calculates a final estimator score for the estimator score, and calculates an estimator score range amounts for the estimator score; hosting one or more other files on a host server, wherein said one or more hosted files are referenced by said distributed one or more files on said partner's web site; wherein said one or more files on said partner site can be modified as desired by the partner to fit the partner's web site look and feel; and wherein said one or more hosted files comprise calculating code and wherein said calculating code can be updated on the host without requiring redistributing the updates to the partner's web site.