# US 2010/0169209 A1 · System and method for interactively simulating a credit-worthiness score > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2010/0169209 A1 - Document ID: US20100169209A1 - Status: Published application - Kind: A1 - Application number: 12/606,060 - Filed: 2009-10-26 - Published: 2010-07-01 - Earliest claimed: 2002-05-30 - Assignees: Experian Information Solutions, Inc. - Inventors: Adam T. Kornegay; Joseph L. Greenwald; Constance A. Elliott - Web page: https://patentgrep.com/patent/US20100169209A1 ## CPC - G06Q 40/03: Credit; Loans; Processing thereof - G06Q 20/102: {Bill distribution or payments} - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 40/04: Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real credit data and the submitted hypothetical values to calculate a simulated credit score based on a simulator scorecard. The consumer may then observe the changes in the resultant scores. The system and the scorecard may utilize fewer data elements than a complete credit-worthiness scorecard and may instead focus on the key elements affecting a consumer's credit score. The system may be implemented in part on a web server or as a stand-alone application. The system may also update the score dynamically as the consumer adjusts the hypothetical values or may require the consumer to affirmatively submit the new hypothetical data. ## Claims ### Claim at position 1 1-45. (canceled) ### Claim 46 A method for generating simulated credit scores, the method comprising: accessing computer-executable instructions from computer storage; and executing the computer-executable instructions on at least one computer processor to cause a computer to perform operations comprising: generating a first credit score based upon data associated with a consumer and maintained by a credit bureau; receiving hypothetical credit data input by a user, wherein the hypothetical credit data represents at least one change from the credit data maintained by the credit bureau; generating a simulated credit score based at least in part on the received hypothetical credit data; outputting for display the first credit score and the simulated credit score; and at the user's option, receiving additional hypothetical credit data input by the user and generating a different simulated credit score based at least in part on the additional hypothetical credit data; wherein the simulated credit scores are generated using a credit scoring model that simulates but is not a commercially-available credit scoring model. ### Claim 47 (depends on 46) The method of claim 46, wherein the computer-executable instructions further cause a computer to perform operations comprising: displaying a range of possible scores; displaying a first indicator for the first credit score proximate the range of possible scores; and displaying a second indicator for the simulated credit score proximate the range of possible scores. ### Claim 48 (depends on 47) The method of claim 47, wherein the position of the first indicator relative to the range of possible scores corresponds to a value of the first credit score, and the position of the second indicator relative to the range of possible scores corresponds to a value of the simulated credit score. ### Claim 49 (depends on 47) The method of claim 47, wherein the range is represented using a bar graph and the first indicator is located on an opposite side of the bar graph from the second indicator. ### Claim 50 (depends on 46) The method of claim 46, wherein the first credit score is a credit score generated using a commercially-available credit scoring model. ### Claim 51 A simulated credit score generator comprising computer hardware comprising at least one computer processor configured to retrieve and execute computer-executable instructions stored in computer storage, wherein execution of the instructions causes the computer hardware to perform operations comprising: generating a first credit score using credit data maintained by a credit bureau; receiving hypothetical credit data input by a user, wherein the hypothetical credit data represents at least one change from the credit data maintained by the credit bureau; generating a simulated credit score based at least in part on the received hypothetical credit data; outputting for display the first credit score and the simulated credit score; and at the user's option, receiving additional hypothetical credit data input by the user and generating a different simulated credit score based at least in part on the additional hypothetical credit data; wherein the simulated credit scores are generated using a credit scoring model that simulates but is not a commercially-available credit scoring model. ### Claim 52 (depends on 51) The simulated credit score generator claim 51, wherein execution of the instructions further causes the computer hardware to output for display the first credit score and at least one simulated credit score for comparison by the user. ### Claim 53 (depends on 51) The simulated credit score generator of claim 51, wherein the first credit score is generated using a commercially-available credit scoring model. ### Claim 54 (depends on 53) The simulated credit score generator of claim 53, wherein the first credit score is a FICO score. ### Claim 55 (depends on 51) The simulated credit score generator of claim 51, wherein the simulated credit score is a simulated but not an actual FICO score.