Systems and methods for electronic account certification and enhanced credit reporting

A computer-implemented method for providing a certified financial report indicating financial risk about an individual, comprising:

• (a) electronically receiving a request for the certified financial report;
• (b) electronically collecting direct source financial account data about the individual from at least one financial source,
• (c) transforming the financial account data into a standard format;
• (d) selecting one or more operations to apply to financial account data;
• (e) validating the execution of the operations by applying test data to the operations and comparing the resulting output to the known-good output of the operation;
• (f) validating the financial account data by executing the validated operations to the financial account data to identify exceptions, wherein the exceptions indicate incorrect data or financial risk;
• (g) confirming iteratively the exceptions by collecting additional data and applying the operations to the additional data, wherein the operations include financial rules and additional rules are applied to the additional data, wherein the additional data is automatically selected from the most reliable source;
• (h) marking the exceptions as valid exceptions when output of the operations validates the exceptions;
• and
• (i) generating, using a computer, the certified financial report from the financial account data and the valid exceptions,
• wherein the financial account data comprises at least one of direct source transaction data, direct source balance data, direct source historical transaction data, or direct source historical balance data;
• and the operations results identify a pattern of financial risk;
• the method is computer implemented, and all steps are executed via the computer or a series of computers.

A computer-implemented method for providing reporting certified financial data indicating data accuracy and financial risk about an individual, comprising:

• (a) receiving a request for a report on the certified financial data;
• (b) electronically collecting financial account data about the individual from at least one financial source, wherein the financial account data comprises at least one of real-time transaction data, real time balance data, historical transaction data, or historical balance data;
• (c) transforming the collected financial account data into a desired electronic account certification format;
• (d) validating the financial account data by applying an algorithm engine to the financial account data to identify a first set of exceptions, wherein the first set of exceptions indicates incorrect inaccurate data or financial risk and the algorithm engine includes a plurality of financial rules specific to lending risk;
• (e) confirming by iteration the first set of exceptions by electronically collecting additional financial account data and applying the algorithm engine, transforming the additional financial account data into electronic account certification format, and validating the additional financial account data by identifying a second set of exceptions to the additional financial account data, and comparing the second set of exceptions to the first set of exceptions to determine valid exceptions, wherein additional rules are applied to confirm the additional data, wherein the additional data is automatically selected from the most reliable source;
• (f) marking the exceptions as valid exceptions for inclusion in the report when output of the algorithm engine validates the exceptions;
• and
• (g) generating, using a computer, the report from the financial account data on the certified financial data and the valid exceptions, and providing the report to a requestor, wherein the financial account data comprises at least one of real-time transaction data, real time balance data, historical transaction data, or historical balance data;
• and the algorithm engine identifies a pattern of financial risk;
• the method is computer implemented, and steps (c), (e), and (f) are executed via the computer or a series of computers.