- 专利标题: Multi-bureau credit file freeze and unfreeze
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申请号: US15344003申请日: 2016-11-04
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公开(公告)号: US09792648B1公开(公告)日: 2017-10-17
- 发明人: Eric Haller , Kelly Kent
- 申请人: Experian Information Solutions, Inc.
- 申请人地址: US CA Costa Mesa
- 专利权人: Experian Information Solutions, Inc.
- 当前专利权人: Experian Information Solutions, Inc.
- 当前专利权人地址: US CA Costa Mesa
- 代理机构: Knobbe Martens Olson & Bear LLP
- 主分类号: G06Q40/00
- IPC分类号: G06Q40/00 ; G06Q40/02 ; G06F21/62
摘要:
The systems and methods described herein allow consumers to lock or unlock their credit files at multiple credit bureaus in real-time or near real-time. The service may allow a consumer to provide identifying information, such as a personal identifier to lock or unlock credit files at a plurality of credit bureaus over a network. Upon receiving the personal identifier, the system may use the personal identifier to translate the identifier into a plurality of access codes for respective credit bureaus, for example by accessing a data structure, such as a database or table, that stores a personal identifier and access codes that are associated with a consumer. The system may then use the access codes to automatically initiate locking or unlocking of credit files for the consumer at the respective credit bureaus.
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