Methods and apparatus for updating credit bureau data

Abstract

Methods and apparatus to update credit bureau data are disclosed. The methods and apparatus provide a credit reporting transport server that stores credit information sent by the credit data providers. This data may be queued by the credit reporting transport server and forwarded to the credit bureau servers. Although credit data providers still receive credit reports based on this data from the credit bureaus, the data stored by the credit reporting transport server may be reviewed and modified by the submitting credit data provider at any time. Modified data is then sent to the credit bureaus to keep the credit bureau database up to date. In addition, the credit reporting transport server checks for errors, corrects some error, logs the transaction, and issues an electronic receipt to the credit data provider indicating the status of the data update.

Dependencies are inferred from the claim text.