Patent Document ID: 20090125439
Application ID: 11937256
Patent Flag: 0

Claim One:
1. A computer-implemented method for determining an individual's adjusted credit risk score, said method comprising the steps of: a) determining a macroeconomic risk score via one or more computing devices by the sub-steps: a 1 ) obtaining a sample of consumer credit data over a period of time covering multiple economic conditions stored in memory; a 2 ) determining individual performance for each consumer represented in said sample of consumer credit data over a window of time based on their credit data, wherein said individual performance is utilized as a dependent attribute; a 3 ) obtaining one or more econometric factors data stored in said memory, wherein said one or more econometric factors data are utilized as one or more independent attributes; and a 4 ) determining said macroeconomic risk score by utilizing said dependent attribute, said one or more independent attributes, and applying a statistical technique for modeling; b) obtaining an individual's credit risk score stored in said memory; c) developing a model implemented by said one or more computing devices that will automatically compensate said individual's credit risk score by utilizing said macroeconomic risk score; and d) outputting said individual's adjusted credit risk score by utilizing said model.