US6311169B2 — On-line consumer credit data reporting system

Claim 1

Independent Claim 105 words

A computerized system for providing consumer credit information, comprising: a computer system; a data base for storing consumer credit information; said computer system being programmed to store current credit information and programmed to store historical credit information for a period at least greater than twelve months; and said computer system being programmed to provide data for screen displays showing historical credit information in graphical form, said historical credit information including dollar amount credit information for each period of a plurality of periods of historical times, thereby allowing a user of the computerized system to examine on a monetary basis a quality of a credit history.

Claim 2

Dependent Claim 105 words

A computerized system for providing consumer credit information, comprising: a computer system; a data base for storing consumer credit information; said computer system being programmed to store current credit information and programmed to store historical credit information for a period at least greater than twelve months; and said computer system being programmed to provide data for screen displays showing historical credit information in graphical form, said historical credit information including dollar amount credit information for each period of a plurality of periods of historical times, thereby allowing a user of the computerized system to examine on a monetary basis a quality of a credit history.

Claim 3

Dependent Claim 47 words

The computerized system of claim 1 , wherein said computer system is programmed to process a plurality of individual parameters related to the historical credit information and store data representative of the processed parameters so as to be automatically presented in a chronological order for said period.

Claim 4

Dependent Claim 35 words

The computerized system of claim 2 , wherein said individual parameters include at least an account balance for each month for said period and a dollar amount payment history for each month for said period.

Claim 5

Dependent Claim 38 words

The computerized system of claim 1 , wherein historical credit information is stored in said data base in association with respective consumers, and in association with each tradeline to which the respective consumers owed money for said period.

Claim 6

Dependent Claim 27 words

The computerized system of claim 2 , wherein said computer system is programmed to display a bar graph depicting at least one said parameter for said period.

Claim 7

Dependent Claim 35 words

The computerized system of claim 5 , wherein said computer system is programmed to display data comprising a parameter displayed as said bar graph, and programmed to display numerical data together with said bar graph.

Claim 8

Dependent Claim 23 words

The computerized system of claim 5 , wherein said computer system is programmed to display said bar graph for a desired trade line.

Claim 9

Dependent Claim 80 words

The computerized system of claim 6 , wherein said computer system is programmed to present said bar graph showing a first set of bars for an account balance, where each bar is representative of an account balance for an interval of one month, and programmed to present a second set of bars on said bar graph for past due amounts, where each bar of said second set is representative of a past due amount for an interval of one month.

Claim 10

Dependent Claim 34 words

The computerized system of claim 8 , wherein said computer system is programmed to display numerical data with said bar graph, where said numerical data corresponds to data processed to produce said bar graph.

Claim 11

Dependent Claim 29 words

The computerized system of claim 1 , wherein said computer system is programmed to display a plurality of parameters, each for said period, together as a single screen display.

Claim 12

Dependent Claim 25 words

The computerized system of claim 10 , wherein each parameter of said plurality of parameters is selectable by an on-line user of said computerized system.

Claim 13

Dependent Claim 32 words

The computerized system of claim 5 , wherein said period is divided into time intervals, and a length of said time intervals is selectable by an on-line user of said computerized system.

Claim 14

Dependent Claim 58 words

The computerized system of claim 1 , wherein said computer system is programmed to display said historical credit information for a twenty-four month period in monthly intervals identified by a month and year, and programmed to display a plurality of trade lines and a payment delinquency of a consumer for each trade line for each said monthly interval.

Claim 15

Dependent Claim 51 words

The computerized system of claim 1 , wherein said computer system is programmed to process address information for a plurality of consumers, and present on a screen display reported address data for each said consumer, and a date in which said address was reported as being associated with a respective consumer.

Claim 16

Dependent Claim 25 words

The computerized system of claim 14 , wherein said computer system is programmed to display an accumulated number of sources reporting the respective address information.

Claim 17

Dependent Claim 57 words

The computerized system of claim 1 , wherein said computer system is programmed to process social security number information for a plurality of consumers, and present on respective screen displays reported social security numbers for each said consumer, and a respective date in which said social security numbers were reported as being associated with the respective consumers.

Claim 18

Independent Claim 123 words

A method of programming a computerized system to provide screen displays of consumer credit information, comprising the steps of: storing in a data base a plurality of parameters of credit information for consumers, including a monthly installment current balance and a total monthly current balance, and maintaining the consumer credit information in said data base for at least a period of time greater than twelve months; programming the computerized system to process the credit information maintained for said period of time; programming the computerized system to provide graphical screen displays of the consumer credit information accumulated for each month for said period of time; and programming the computerized system to allow selection by a user of one or more parameters to be displayed.

Claim 19

Independent Claim 123 words

A method of programming a computerized system to provide screen displays of consumer credit information, comprising the steps of: storing in a data base a plurality of parameters of credit information for consumers, including a monthly installment current balance and a total monthly current balance, and maintaining the consumer credit information in said data base for at least a period of time greater than twelve months; programming the computerized system to process the credit information maintained for said period of time; programming the computerized system to provide graphical screen displays of the consumer credit information accumulated for each month for said period of time; and programming the computerized system to allow selection by a user of one or more parameters to be displayed.

Claim 20

Dependent Claim 29 words

The method of claim 17 , further including receiving information from a user for selecting plural graphical depictions of credit information to be presented on a single screen display.

Claim 21

Dependent Claim 120 words

A computerized system for providing consumer credit information, comprising: a computer programmed to access one or more databases that store consumer credit information; said computer being programmed to retrieve consumer credit information from said one or more databases and present together on a screen display tradeline information of a plurality of tradelines; said computer being programmed to provide a point and click capability on one said tradeline to produce an overlay presentation on the screen display of more detailed consumer credit data related to the selected tradeline; and said computer being programmed to present an overlay of a selected tradeline, including a bar graph illustrating a monthly balance of an account and showing monthly past due amounts of the account.

Claim 22

Dependent Claim 120 words

A computerized system for providing consumer credit information, comprising: a computer programmed to access one or more databases that store consumer credit information; said computer being programmed to retrieve consumer credit information from said one or more databases and present together on a screen display tradeline information of a plurality of tradelines; said computer being programmed to provide a point and click capability on one said tradeline to produce an overlay presentation on the screen display of more detailed consumer credit data related to the selected tradeline; and said computer being programmed to present an overlay of a selected tradeline, including a bar graph illustrating a monthly balance of an account and showing monthly past due amounts of the account.

Annuity Stage	Window Opens	Payment Deadline	Surcharge Period Until	Estimated Fee	Status
3.5 Years (Year 4)	2004-10-29	2005-04-30	2005-10-30	$2000.00	Window Closed / Lapsed
7.5 Years (Year 8)	2008-10-29	2009-04-30	2009-10-30	$3760.00	Window Closed / Lapsed
11.5 Years (Year 12)	2012-10-29	2013-04-30	2013-10-30	$7700.00	Window Closed / Lapsed

On-line consumer credit data reporting system

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