Indirect monitoring and reporting of a user's credit data

a technology for credit data and monitoring, applied in the field of indirect monitoring of credit data of users, can solve the problems of user not providing sufficient identity verification data, user may not provide identity verification data, not being the case, etc., and achieve the effect of saving significant tim

US20170278182A1Inactive Publication Date: 2017-09-28CONSUMERINFO COM
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Patent Information

Authority / Receiving Office
US · United States
Patent Type
Applications(United States)
Current Assignee / Owner
Publication Date
2017-09-28
Estimated Expiration
Not applicable · inactive patent

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Abstract

Methods and systems of monitoring and reporting of changes to a user's credit data are provided. One embodiment includes providing a service, hosted by a data server, that allows the user to access the service via a communication terminal. The service may also request enrollment data, including identity verification data, from the user. Further, the service may periodically access and monitor the user's credit data for a change in the user's credit data via a connection between the data server and a credit bureau even if the data server has not received sufficient identity verification data from the user. Additionally, the service may determine whether a change detected in the user's credit data is a significant event. When an event or a significant event in the user's credit data is detected, the service may alert the user of the fact that an event has occurred even if the data server has not received sufficient identity verification data from the user.
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Description

CROSS-REFERENCE TO RELATED APPLICATIONS

[0001] This application claims priority to, and is a continuation of, U.S. patent application Ser. No. 13 / 069,896, filed Mar. 23, 2011, titled INDIRECT MONITORING AND REPORTING OF A USER'S CREDIT DATA. U.S. patent application Ser. No. 13 / 069,896 claims the benefit of U.S. Provisional Pat. App. No. 61 / 316,994, filed Mar. 24, 2010, entitled “METHODS AND SYSTEMS FOR INDIRECT MONITORING AND REPORTING OF A USER'S CREDIT REPORT.” Each of these applications is incorporated by reference in their entirety.BACKGROUND

[0002] Field

[0003] This disclosure generally relates to indirect monitoring of a user's credit data, and more particularly to methods and systems for indirect monitoring and reporting of changes to a user's credit data.

[0004] Description of the Related Art

[0005] Conventional credit monitoring services, such as those provided by current credit reporting bureaus, require the user to enroll into the credit monitoring service prior to the user being a...

Examples

Embodiment Construction

[0021]In the following detailed description, reference is made to the accompanying drawings that form a part hereof, and in which is shown by way of illustration specific illustrative embodiments. These embodiments are described in sufficient detail to enable those skilled in the art to practice what is claimed, and it is to be understood that other embodiments may be utilized without departing from the spirit and scope of the claims. The following detailed description is, therefore, not to be taken in a limiting sense.

[0022]The embodiments presented herein are directed to methods and systems for indirect monitoring and reporting of changes to a user's credit report. In some embodiments, the methods and systems for indirect monitoring and reporting of changes to a user's credit report allows the user to become aware of the fact that a change or significant event has occurred in their credit report, without specific details as to the change or significant event. This may occur, for e...