Robert L Stuart

US Patent:

20070276750, Nov 29, 2007

Filed:

Jun 12, 2006

Appl. No.:

11/451214

Inventors:

Robert Stuart - Houston TX, US

International Classification:

G06Q 40/00

US Classification:

705038000

Abstract:

A credit monitoring and maintenance system including various computer-based processes. In one embodiment, the system includes processes for accepting inputs including one or more credit report values specific to a borrower generated by one or more credit reporting bureaus, and for further accepting additional inputs from other sources comprising data specific to the borrower and not utilized by the credit reporting bureaus in the computation of the credit report values for the borrower. The system further preferably includes processes for generating custom credit reports including custom credit rating values based upon the credit report values and the additional inputs. The system also further preferably includes processes for generating one or more credit management prompts computed to lead to improvements in the credit report values generated by the one or more credit reporting bureaus, to the extent that the borrower takes actions commensurate with the credit management prompts.