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US 2011/0035305 A1Published application
Dynamic credit score alteration
AssigneeApollo Enterprise Solutions, Inc.
InventorsG. Christopher Imrey, William J. House, III
Life of this patent
Estimating the term…
Abstract
A method for providing credit score information for a user to the user is provided. The method comprises offering the user an option to obtain information related to a credit score via a computer networking arrangement. The method further determines credit score information once the option is selected by the user, and providing the credit score information determined to the user via the computer networking arrangement.
Claims20
A method of resolving a debt, comprising:
- providing an estimate of a specific amount a user's credit score will increase if the debt is resolved;
- causing a server to provide the user with the estimate of the amount the user's credit score will increase when the debt is resolved and at least one offer to settle the debt selectable by the user to resolve the debt;
- and
- when the user selects at least one offer establishing resolution of the debt, causing the server to provide a positive resolution indication to a credit bureau to facilitate the credit bureau raising the user's credit score.
1 more element
A method for settling a debt executed using a server comprising:
- from the server, providing a user with an estimate of a specific numerical amount the user's credit score will increase when the debt is resolved and at least one offer to settle the debt;
- and
- when the user selects at least one offer establishing settlement of the debt, causing the server to provide a positive resolution indication to a credit bureau to facilitate the credit bureau increasing the user's credit score.
A method for settling a debt, comprising:
- causing a server to offer a user an option to obtain information related to a credit score as part of a debt resolution transaction of a preexisting debt owed by the user to a third party;
- determining an estimate of user credit score increase when the debt is resolved based on the user credit score information obtained at the server;
- providing the user, via the user computing device, with the estimate of user credit score increase when the debt is resolved and at least one offer to settle the debt;
- and
- when the user selects at least one offer establishing settlement of the debt using the user computing device, causing the server to provide a positive resolution indication to the credit bureau.
2 more elements
Dependencies are inferred from the claim text.