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US 11,636,540 B1Granted
Multi-bureau credit file freeze and unfreeze
AssigneeExperian Information Solutions, Inc.
InventorsEric Haller, Kelly Kent
Life of this patent
Estimating the term…
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AssigneeExperian Information Solutions, Inc.
InventorsEric Haller, Kelly Kent
Estimating the term…
The systems and methods described herein allow consumers to lock or unlock their credit files at multiple credit bureaus in real-time or near real-time. The service may allow a consumer to provide identifying information, such as a personal identifier to lock or unlock credit files at a plurality of credit bureaus over a network. Upon receiving the personal identifier, the system may use the personal identifier to translate the identifier into a plurality of access codes for respective credit bureaus, for example by accessing a data structure, such as a database or table, that stores a personal identifier and access codes that are associated with a consumer. The system may then use the access codes to automatically initiate locking or unlocking of credit files for the consumer at the respective credit bureaus.
A system comprising:
A computer-implemented method comprising:
A non-transitory computer storage medium which stores a client application comprising executable code, the executable code causing a computing device to perform operations that comprise at least:
Dependencies are inferred from the claim text.