FINANCIAL CREDIT SCORE DETERMINATION AND REPORTING METHOD
개요
발명자
Tia Chabot
IPC 분류
CPC 분류
A method of determining and producing a credit score for an individual wherein the method has a process flow facilitating stability and standardization in areas of timelines, data capture information and storage guidelines. The method utilizes a discrete timeline capture of financial data that is subsequently employed in a timeline cycle of the method producing a credit score that cannot be changed for a specified time period. The method includes a thirty day timeline cycle that that includes an initial step of data collection. A step of uploading data to credit agencies occurs in the beginning of the timeline cycle. Ensuing initial calculation of a credit score, the credit score is sent to the consumer for review of errors and omissions. Subsequent validation of any errors and omissions, the credit score is established and a lockout period begins inhibiting any changing of the credit score.
원문 (중국어)
A method of determining and producing a credit score for an individual wherein the method has a process flow facilitating stability and standardization in areas of timelines, data capture information and storage guidelines. The method utilizes a discrete timeline capture of financial data that is subsequently employed in a timeline cycle of the method producing a credit score that cannot be changed for a specified time period. The method includes a thirty day timeline cycle that that includes an initial step of data collection. A step of uploading data to credit agencies occurs in the beginning of the timeline cycle. Ensuing initial calculation of a credit score, the credit score is sent to the consumer for review of errors and omissions. Subsequent validation of any errors and omissions, the credit score is established and a lockout period begins inhibiting any changing of the credit score.