METHOD FOR EVALUATING CREDIT OFFERS

Abstract

The present invention describes a computer-implemented method for evaluating credit or financial product offers, comprising steps of identifying, locating, and evaluating candidates, and improvements related to credit or financial product allocation based on credit and financial data associated with the user. The method generates a result or derivation based on an offer for the open market, another for the closed market, and an improved version.The method uses user-declared information sources, as well as secondary information sources such as Credit Information Societies (SICs), alternative data, business data platforms such as Syntage, and public data provided by entities such as the Central Bank (e.g., Banxico in Mexico) and administrative bodies, such as the National Banking and Securities Commission, CNBV in Mexico or the (Securities and Exchange Commission) in the United States; as well as its own research.