Patent ID: 8315943

Claim:
A computer implemented method for generating an attribute from raw tradeline data from a plurality of credit bureaus, the method comprising: accessing raw tradeline data from each of the plurality of credit bureaus; retrieving classification codes related to respective credit bureaus, the classification codes being used to identify a source type of respective raw tradeline data, wherein at least some of the classification codes are in a unique format for respective credit bureaus; designating a set of classification codes as one or more tradeline leveling characteristics to select a portion of the raw tradeline data from each of the credit bureaus; selecting a portion of the raw tradeline data based on a minimum overlap in the classification codes for each of the plurality of credit bureaus; applying the one or more tradeline leveling characteristics to the portion of the raw tradeline data to select a subset of the portion of the raw tradeline data to generate respective leveled tradeline data indicating quantities of persons who meet a condition indicated by the respective leveled tradeline data; determining if the respective leveled tradeline data meets a pre-defined correlation threshold, the determining comprising measuring correlations in the leveled tradeline data; and adjusting at least one of the tradeline leveling characteristics in response to determining that the correlations fail to meet the pre-defined correlation threshold, the adjusting comprising at least one of: (1) removing one or more of the classification codes included in the designated set of classification codes or (2) including additional classification codes for at least one of the credit bureaus not included in the designated set of classification codes; and generating an attribute using the adjusted tradeline leveling characteristics, the attribute indicating a quantity of persons who meet the condition, wherein the method is performed by a computing system that comprises one or more computing devices.