Patent Document ID: 20100145847
Application ID: 12689288
Patent Flag: 0

Claim One:
1. A computer-implemented method for determining a macroeconomic risk score, said method comprising the steps of: a) obtaining a sample of consumer credit data stored in memory, said sample of consumer credit data comprising credit data associated with a plurality of consumers over a first period of time covering one or more economic conditions; b) determining individual performance for each consumer represented in said sample of consumer credit data, via one or more computing devices, based on each consumer's financial history reflected in said sample of consumer credit data, wherein said individual performance is utilized as a dependent attribute; c) obtaining data of one or more econometric factors stored in said memory, said data of one or more econometric factors comprising data of said one or more econometric factors over a second period of time prior to said first period of time, wherein said one or more econometric factors are utilized as one or more independent attributes; and d) determining said macroeconomic risk score, via said one or more computing devices, by utilizing said dependent attribute, said one or more independent attributes, and applying a statistical technique for modeling.