Methods and apparatuses for generating a new credit file and adding tradelines

A non-transitory computer storage medium storing a credit file generator and PIN generator as computer-executable code that when executed by one or more hardware processors comprising a credit file generation processor and a PIN generation processor, causes the one or more hardware processors to:

• receive, from a user computing device via a secure communication link, Personal Identifiable Information (“PII”) and digital image data comprising a government issued identification document (“ID”), wherein the PII includes a name and an address of a user associated with the user computing device;
• extract, by the credit file generation processor, identification information from the digital image data;
• determine, by the credit file generation processor, that the extracted identification information corresponds to the received PII;
• compare, by the credit file generation processor, the PII with credit files in a credit file database to determine that there is no match;
• determine, by the credit file generation processor, that the digital image data corresponds to the user by:
• generating and sending, to the user computing device by a secure communication link, display instructions configured to, when executed, display a user interface that comprises a live camera view to capture first image data of the user using a camera corresponding to the user computing device;
• receiving, from the user computing device by the secure communication link, a data packet comprising the first image data;
• inputting, into a machine learning model, input data comprising the first image data and at least a portion of the digital image data;
• and
• receiving, from the machine learning model, an output that indicates a likelihood that the first image data and the digital image data correspond to a same person;
• generate, by the PIN generation processor, an alphanumeric personal identifier;
• generate, by the credit file generation processor, a credit file for the user;
• assign, by the credit file generation processor, the alphanumeric personal identifier to the credit file;
• identify, by the credit file generation processor, a new tradeline from a set of transactions within transaction data that collectively relate to a tradeline category;
• and
• generate, by the credit file generation processor, an updated credit file for the user comprising the new tradeline that corresponds to the tradeline category.

A method comprising:

• receiving, from a user computing device via a secure communication link, Personal Identifiable Information (“PII”) and digital image data comprising a government issued identification document (“ID”), wherein the PII includes a name and an address of a user associated with the user computing device;
• extract, by a credit file generator on a credit file generation processor, identification information from the digital image data;
• determining, by the credit file generation processor, that the extracted identification information corresponds to the received PII;
• comparing, by the credit file generation processor, the PII with credit files in a credit file database to determine that there is no match;
• determining, by the credit file generation processor, that the digital image data corresponds to the user by:
• generating and sending, to the user computing device by a secure communication link, display instructions configured to, when executed, display a user interface that comprises a live camera view to capture first image data of the user using a camera corresponding to the user computing device;
• receiving, from the user computing device by the secure communication link, a data packet comprising the first image data;
• inputting, into a machine learning model, input data comprising the first image data and at least a portion of the digital image data;
• and
• receiving, from the machine learning model, an output that indicates a likelihood that the first image data and the digital image data correspond to a same person;
• generating, by a PIN generator on a PIN generation processor, an alphanumeric personal identifier;
• generating, by the credit file generation processor, a credit file for the user;
• assigning, by the credit file generation processor, the alphanumeric personal identifier to the credit file;
• identifying, by the credit file generation processor, a new tradeline from a set of transactions within transaction data that collectively relate to a tradeline category;
• and
• generating, by the credit file generation processor, an updated credit file for the user comprising the new tradeline that corresponds to the tradeline category.