公开(公告)号：US08078524B2

公开(公告)日：2011-12-13

申请号：US10183135

申请日：2002-06-25

申请人： Stuart Crawford ,  Andrew Flint ,  Sharon Anne Hatcher ,  Keith Owen Hillestad ,  Thomas J. Quinn ,  Michael William Rapaport ,  Sue Ann Simon ,  Michael Scott Steele ,  Cheryl Lynne St. John

发明人： Stuart Crawford ,  Andrew Flint ,  Sharon Anne Hatcher ,  Keith Owen Hillestad ,  Thomas J. Quinn ,  Michael William Rapaport ,  Sue Ann Simon ,  Michael Scott Steele ,  Cheryl Lynne St. John

IPC分类号： G06Q40/00

CPC分类号： G06Q20/10 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/025

摘要： The invention comprises a method and apparatus for explaining credit scores, for example in connection with a credit score explanation service, in which consumers can identify the sources of information used to establish their credit score, supply their credit report and credit score information in connection with their application for credit-related products and services, such as loans, and determine the effect on their credit score and cost for credit-related products and services based upon various hypothetical changes in their credit behavior.

摘要翻译： 本发明包括一种用于解释信用评分的方法和装置，例如与信用评分说明服务有关的消费者可以识别用于建立其信用评分的信息来源，提供其信用报告和信用评分信息 其信贷相关产品和服务的申请，如贷款，并根据信用行为的各种假设变化确定对信用相关产品和服务的信用评分和成本的影响。