Systems and methods for facilitating responses to credit requests

An apparatus, comprising:

• a processor;
• and
• a storage device in communication with said processor and storing instructions adapted to be executed by said processor to:
• receive via a customer service representative information associated with a customer's credit request,
• estimate income information associated with the customer, and
• arrange for the customer to receive a response to the credit request in substantially real time.

A medium storing instructions adapted to be executed by a processor to perform a method of facilitating responses to credit requests, said method comprising:

• receiving via a customer service representative information associated with a customer's credit request;
• estimating income information associated with the customer;
• and
• arranging for the customer to receive a response to the credit request in substantially real time.

A computer-implemented method of facilitating responses to requests for increased credit limits, comprising:

• receiving information associated with a request for an increased credit limit via a telephone call between a customer and a customer service representative;
• automatically transmitting credit request information from a customer service representative device to a credit rating service device via a communication network;
• receiving a response from the credit rating service device, the response being based on an estimated income determined in accordance with mortgage information associated with the customer;
• and
• providing the response to the customer in substantially real time via the telephone call.

A method of facilitating responses to credit requests, comprising:

• receiving information associated with a customer's credit request;
• automatically generating a response to the credit request;
• and
• if the automatically generated response to the credit request is not an approval, determining if the response to the credit request will be a referral.

A method of facilitating responses to credit requests, comprising:

• receiving from a customer information associated with a credit request;
• locally determining if a response to the credit request is a denial;
• and
• if it is not determined that the response is a denial:
• automatically transmitting information to a credit rating service device, and
• receiving a response to the credit request based on credit rating information;
• and
• providing the response to the customer in substantially real time.