Constance B Elliott

US Patent:

8015107, Sep 6, 2011

Filed:

Oct 26, 2009

Appl. No.:

12/606060

Inventors:

Adam T. Kornegay - Irvine CA, US
Joseph L. Greenwald - Orange CA, US
Constance A. Elliott - Orange CA, US

Assignee:

Experian Information Solutions, Inc. - Costa Mesa CA

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35

Abstract:

A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real credit data and the submitted hypothetical values to calculate a simulated credit score based on a simulator scorecard. The consumer may then observe the changes in the resultant scores. The system and the scorecard may utilize fewer data elements than a complete credit-worthiness scorecard and may instead focus on the key elements affecting a consumer's credit score. The system may be implemented in part on a web server or as a stand-alone application. The system may also update the score dynamically as the consumer adjusts the hypothetical values or may require the consumer to affirmatively submit the new hypothetical data.

US Patent:

8335741, Dec 18, 2012

Filed:

Sep 2, 2011

Appl. No.:

13/225225

Inventors:

Adam T. Kornegay - Irvine CA, US
Joseph L. Greenwald - Orange CA, US
Constance A. Elliott - Orange CA, US

Assignee:

Experian Information Solutions, Inc. - Costa Mesa CA

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35, 705 36, 705 37, 705 39, 705 40

Abstract:

A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real credit data and the submitted hypothetical values to calculate a simulated credit score based on a simulator scorecard. The consumer may then observe the changes in the resultant scores. The system and the scorecard may utilize fewer data elements than a complete credit-worthiness scorecard and may instead focus on the key elements affecting a consumer's credit score. The system may be implemented in part on a web server or as a stand-alone application. The system may also update the score dynamically as the consumer adjusts the hypothetical values or may require the consumer to affirmatively submit the new hypothetical data.

US Patent:

20130173451, Jul 4, 2013

Filed:

Dec 18, 2012

Appl. No.:

13/718362

Inventors:

Joseph L. Greenwald - Orange CA, US
Constance A. Elliott - Orange CA, US

Assignee:

EXPERIAN INFORMATION SOLUTIONS, INC. - Costa Mesa CA

International Classification:

G06Q 40/02

US Classification:

705 38

Abstract:

A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real credit data and the submitted hypothetical values to calculate a simulated credit score based on a simulator scorecard. The consumer may then observe the changes in the resultant scores. The system and the scorecard may utilize fewer data elements than a complete credit-worthiness scorecard and may instead focus on the key elements affecting a consumer's credit score. The system may be implemented in part on a web server or as a stand-alone application. The system may also update the score dynamically as the consumer adjusts the hypothetical values or may require the consumer to affirmatively submit the new hypothetical data.

US Patent:

7610229, Oct 27, 2009

Filed:

May 30, 2003

Appl. No.:

10/452155

Inventors:

Adam T. Kornegay - Irvine CA, US
Joseph L. Greenwald - Orange CA, US
Constance A. Elliott - Orange CA, US

Assignee:

Experian Information Solutions, Inc. - Costa Mesa CA

International Classification:

G06Q 40/00

US Classification:

705 36, 705 35, 705 37, 705 38, 705 40

Abstract:

A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real credit data and the submitted hypothetical values to calculate a simulated credit score based on a simulator scorecard. The consumer may then observe the changes in the resultant scores. The system and the scorecard may utilize fewer data elements than a complete credit-worthiness scorecard and may instead focus on the key elements affecting a consumer's credit score. The system may be implemented in part on a web server or as a stand-alone application. The system may also update the score dynamically as the consumer adjusts the hypothetical values or may require the consumer to affirmatively submit the new hypothetical data.