Patent ID: 8024264

Claim:
A system, comprising: a computer-readable storage storing a plurality of records, the plurality of records comprising demographic data and credit data; and a computing system, comprising a processor, that is configured to: access, in the computer-readable storage, data records that include less than a minimum number of credit data entries; determine demographic characteristics correlated with the accessed data records by at least, identifying demographic characteristics that appear within the demographic data of the accessed data records; and assigning a correlation value to each of the demographic characteristics, the correlation value being based at least in part on the correlation of the demographic characteristic to a likelihood of an associated record being a thin-file record with minimal or no credit entries; and predict a likelihood that a record will include less than the minimum number of credit data entries, the prediction based at least on: a comparison of demographic characteristics associated with the record to the identified demographic characteristics; and at least one correlation value assigned to one of the identified demographic characteristics, wherein the computing system is further configured to generate a score corresponding to the predicted likelihood of the record having less than the minimum number of credit data entries by at least one of: locating, within the demographic characteristics associated with the record, the demographic characteristics already identified in the data records that include less than a minimum number of credit data entries; assigning a weighted value to each located demographic characteristic in accordance with the correlation value assigned with the demographic characteristic; and combining the weighted values to generate the score, wherein the demographic characteristics comprise one or more of the following: residence address data; age data; household data; marital status data; delinquent data for consumers in a geographic area; and data related to length of residency.