Debt services candidate locator
AssigneeConsumerInfo.com, Inc.
InventorsMichael John Dean, Mark Joseph Kapczynski
Life of this patent
Estimating the term…
Abstract
Methods and systems are disclosed that identify and locate debt settlement candidates based on credit data associated with the consumer. For example, candidacy may be based on a debt score, generated by an assessment of the consumer's credit data. Credit data may include the consumer's credit score rank, credit score, revolving credit to debit ratio, credit available, delinquent accounts, negative accounts, instances of negative information on their credit report, public record data, average account age, debit, or a combination thereof.
Claims9
A method of identifying and locating debt settlement candidates, the method comprising:
- receiving a request for a debt score for a consumer;
- accessing, from an electronic data store, credit data of the consumer;
- calculating, with one or more hardware computer processors, a debt score based on at least the accessed credit data of the consumer, wherein the debt score is within a debt score range including at least two sub-ranges associated with corresponding debt services, wherein the debt score is usable to determine a likelihood of the consumer being eligible for each of multiple debt services;
- and
- providing a requesting entity with the debt score and/or the debt service associated with the sub-range of the calculated debt score.
Dependencies are inferred from the claim text.