# US 2014/0156500 A1 · Systems and methods for providing a customizable credit report > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0156500 A1 - Document ID: US20140156500A1 - Status: Published application - Kind: A1 - Application number: 13/692,809 - Filed: 2012-12-03 - Published: 2014-06-05 - Earliest claimed: 2012-12-03 - Assignees: Experian Information Solutions, Inc. - Applicants: Experian Information Solutions, Inc. - Inventors: Patricia Cheryl Lassen; Karthikeyan Reddy Aaravabhoomi - Web page: https://patentgrep.com/patent/US20140156500A1 ## CPC - G06Q 40/03: Credit; Loans; Processing thereof - 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 Systems and methods are provided for enabling a user to select the types of data to be included in a credit reporting product, and for generating credit reports that are configured to be dynamically updated with additional data in response to user selections. In some embodiments, data selectable by a user for inclusion in a credit report or other product may include a variety of data not typically found on traditional credit reports. ## Claims ### Claim 1 A computer-implemented method for generating a customizable credit report, the computer-implemented method comprising: as implemented by one or more computing devices configured with specific executable instructions, generating a user interface for display that includes one or more selectable options configured to enable a user to define a credit reporting product specification that identifies at least a portion of data to be included in at least one credit report, wherein the one or more selectable options include a plurality of data bands, wherein one or more of the plurality of data bands are selectable by the user for inclusion in the at least one credit report defined by the credit reporting product specification; receiving a user selection of at least one of the plurality of data bands, wherein the user selection indicates that credit data associated with the at least one data band should be included in credit reports generated based on the credit reporting product specification; storing, in an electronic data store, the credit reporting product specification defined by the user; and based at least in part on the credit reporting product specification defined by the user, generating at least one credit report for one or more individuals, wherein the at least one credit report is generated at least in part by retrieving credit data associated with the one or more individuals, wherein the retrieved credit data includes credit data associated with the at least one data band selected by the user. ### Claim 2 (depends on 1) The computer-implemented method of claim 1, wherein the one or more selectable options are determined based at least in part on a country associated with the credit reporting product specification. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, wherein the one or more selectable options are determined based at least in part on the one or more individuals for which the at least one credit report is generated. ### Claim 4 (depends on 1) The computer-implemented method of claim 1, wherein the plurality of data bands comprise at least one of model score data, property data, credit card data, banking data, utility data, public agency data, employment data, insurance data, automotive data, rental data, and business data. ### Claim 5 (depends on 1) A storage medium having a computer program stored thereon for causing a suitably programmed system to process computer-program code by performing the computer implemented method of claim 1 when such program is executed on the system. ### Claim 6 A credit reporting system comprising: a database configured to store a plurality of records, wherein the plurality of records comprise credit data associated with each of a plurality of data bands; and a credit report generation system comprising one or more computing devices, said credit report generation system configured to electronically communicate with the database, the credit report generation system programmed via executable instructions to at least: receive a credit report request, wherein the received credit report request includes information identifying an individual for which a credit report should be generated; generate an electronic credit report for the individual based at least in part on credit data retrieved from the database, wherein the generated electronic credit report includes credit data associated with a first subset of data bands, wherein the generated electronic credit report further includes one or more selectable options that each identify an additional data band other than the first subset of data bands, wherein credit data associated with the additional data band is not included in the generated electronic credit report; receive a user selection of at least one of the selectable options identifying an additional data band; based at least in part on the received user selection, retrieve additional credit data from the database, wherein the additional credit data is associated with the additional data band identified in the selected at least one selectable option; and dynamically update the generated electronic credit report to include the retrieved additional credit data. ### Claim 7 (depends on 6) The system of claim 6, wherein the credit data associated with the additional data band is associated with a monetary cost, wherein the credit report generation system is further programmed to process payment of the monetary cost prior to retrieving the additional credit data from the database. ### Claim 8 (depends on 6) The system of claim 6, wherein the credit report generation system is further programmed to: calculate a total cost for the electronic credit report, wherein the total cost includes a cost associated with providing the first subset of data bands and a cost associated with providing the additional data band. ### Claim 9 (depends on 8) The system of claim 8, wherein the credit report generation system is further programmed to: generate an invoice for delivery to the individual, wherein the invoice includes the calculated total cost. ### Claim 10 (depends on 6) The system of claim 6, wherein the additional data band comprises at least one of property data, credit card data, banking data, utility data, public agency data, employment data, insurance data, automotive data, rental data, and business data. ### Claim 11 (depends on 6) The system of claim 6, wherein the additional credit data comprises a credit score. ### Claim 12 (depends on 6) The system of claim 6, wherein the credit data associated with the first subset of data bands and the additional credit data are retrieved from different data sources. ### Claim 13 (depends on 6) The system of claim 6, wherein the electronic credit report for the individual further comprises an option for accessing credit data associated with a second individual, wherein the second individual is at least one of a spouse and a household member associated with the individual. ### Claim 14 (depends on 6) The system of claim 6, wherein the electronic credit report for the individual further comprises an option for accessing credit data associated with a corporate entity, wherein the individual is associated with the corporate entity. ### Claim 15 A computer-implemented method for providing a credit report, the computer-implemented method comprising: as implemented by one or more computing devices configured with specific executable instructions, receiving a credit report request, wherein the received credit report request includes information identifying an individual for which a credit report should be generated; generating an electronic credit report for the individual, wherein the generated electronic credit report includes credit data associated with a first subset of data bands, wherein the generated electronic credit report further includes one or more selectable options that each identify an additional data band other than the first subset of data bands, wherein credit data associated with the additional data band is not included in the generated electronic credit report; receiving a user selection of at least one of the selectable options identifying an additional data band; and based at least in part on the received user selection, dynamically updating the generated electronic credit report to include additional credit data, wherein the additional credit data is associated with the additional data band identified in the selected at least one selectable option. ### Claim 16 (depends on 15) The computer-implemented method of claim 15, further comprising: calculating a total cost for the electronic credit report, wherein the total cost includes a cost associated with providing the first subset of data bands and a cost associated with providing the additional data band. ### Claim 17 (depends on 16) The computer-implemented method of claim 16, further comprising: generating an invoice for delivery to the individual, wherein the invoice includes the calculated total cost. ### Claim 18 (depends on 15) The computer-implemented method of claim 15, wherein the credit data associated with the first subset of data bands and the additional credit data are retrieved from a data source associated with a credit bureau. ### Claim 19 (depends on 15) The computer-implemented method of claim 15, wherein the credit data associated with the first subset of data bands and the additional credit data are retrieved from different data sources. ### Claim 20 A computer-readable, non-transitory storage medium having computer instructions stored thereon that, when executed by one or more computer systems, configure the one or more computer systems to perform operations comprising: receiving a credit report request, wherein the received credit report request includes information identifying an individual for which a credit report should be generated; generating an electronic credit report for the individual, wherein the generated electronic credit report includes credit data associated with a first subset of data bands, wherein the generated electronic credit report further includes one or more selectable options that each identify an additional data band other than the first subset of data bands, wherein credit data associated with the additional data band is not included in the generated electronic credit report, receiving a user selection of at least one of the selectable options identifying an additional data band; and based at least in part on the received user selection, dynamically updating the generated electronic credit report to include additional credit data, wherein the additional credit data is associated with the additional data band identified in the selected at least one selectable option. ### Claim 21 A credit reporting system comprising: a credit database configured to store a plurality of records, wherein the plurality of records comprise credit data associated with each of a plurality of data bands; and a credit report generation system configured to electronically communicate with the database, the credit report generation system comprising: a product specification module configured to: generate a user interface for display that includes one or more selectable options configured to enable a user to define a credit reporting product specification that identifies at least a portion of data to be included in at least one credit report, wherein the one or more selectable options include a plurality of data bands, wherein one or more of the plurality of data bands are selectable by the user for inclusion in the at least one credit report defined by the credit reporting product specification; receive a user selection of at least one of the plurality of data bands, wherein the user selection indicates that credit data associated with the at least one data band should be included in credit reports generated based on the credit reporting product specification; and store, in an electronic data store, the credit reporting product specification defined by the user; and a request module configured to: retrieve the credit reporting product specification stored by the product specification module; and generate at least one credit report for one or more individuals, wherein the at least one credit report is generated at least in part by retrieving credit data associated with the one or more individuals from the credit database, wherein the retrieved credit data includes credit data associated with the at least one data band selected by the user. ### Claim 22 (depends on 21) The credit reporting system of claim 21, wherein the one or more selectable options are determined based at least in part on a country associated with the credit reporting product specification. ### Claim 23 (depends on 21) The credit reporting system of claim 21, wherein the one or more selectable options are determined based at least in part on the one or more individuals for which the at least one credit report is generated. ### Claim 24 (depends on 21) The credit reporting system of claim 21, wherein the plurality of data bands comprise at least one of model score data, property data, credit card data, banking data, utility data, public agency data, employment data, insurance data, automotive data, rental data, and business data.