Patent ID: 8335741

Claim:
A method of presenting a user with a simulated credit score, the method being performed on computing hardware, the method comprising: maintaining, in computer-readable storage, a credit information data structure indicative of credit-related information associated with a consumer; calculating a first credit score based on the credit information data structure; transmitting, to a client computer, user interface data configured to cause the client computer to display a user interface including a graphical representation of the first credit score, the user interface further including one or more adjustable sliders configured to enable a user of the client computer to adjust one or more credit-related parameters, the user interface data further including executable code configured to transmit score simulation request data in response to the user adjusting one or more of the adjustable sliders; receiving, from the client computer, score simulation request data including indications of one or more credit-related parameter adjustments indicated by the adjusting of the one or more of the adjustable sliders; calculating a second credit score based on the credit-related information and the one or more credit-related parameter adjustments indicated by the adjusting of the one or more of the adjustable sliders; and transmitting, to the client computer, updated user interface data reflecting the second credit score, the updated user interface data being transmitted in real time in response to receiving the score simulation request data.