Patent ID: 7742982

Claim:
A computing system, comprising: a computer-readable storage comprising a database and storing a plurality of records, the plurality of records comprising demographic data and credit data; a processor configured to access the plurality of records in the computer-readable storage and configured to filter, from the plurality of records, records that include less than a minimum number of credit data entries; a thin-file module configured to access the filtered records that include less than the minimum number of credit data entries and determine demographic data that is correlated with the filtered records by at least, identifying demographic characteristics that appear within the demographic data of the filtered records; and associating a weight with each of the demographic characteristics, the weight being based at least in part on the correlation of the demographic characteristic with a likelihood of a record being a thin-file record; a data record filter configured to predict a likelihood that a record will include less than the minimum number of credit data entries by at least comparing the correlated demographic data to demographic data associated with the record, the demographic data comprising one or more of the following: residence address data; age data; household data; marital status data; delinquent data for consumers in a geographic area; data related to length of residency; and, a communications link configured to receive a customer record comprising a set of customer demographic data, wherein the data record filter is further configured to generate a score corresponding to the likelihood of the customer record having less than the minimum number of credit data entries by at least, locating, within the set of customer demographic data, demographic characteristics identified within the demographic data of the filtered records; assigning a value to each located demographic characteristic in accordance with the weight associated with the demographic characteristic; and, combining the values assigned to the located demographic characteristics to generate the score.