Hybridization of Personal and Business Credit and Credibility

摘要

Some embodiments provide a system that removes the delineation between credit and credibility and between the personal and business aspects of each. The system constructs an individual-business tuple for an entity. The tuple stores credit and credibility information for the entity and other entities that are associated with the entity. When the entity is a business, the tuple stores credit and credibility information for individuals that can affect creditworthiness of the business. When the entity is an individual, the tuple stores credit and credibility information for businesses that can affect the creditworthiness of the individual. The entity's credit can then be evaluated by shopping the information to loan originators, using the associated information to fill gaps in credit information of the entity, producing a holistic report, and deriving a hybrid credit score based on some combination of the credit and credibility information from the tuple.

主权项

1. A method for evaluating creditworthiness of a particular business based in part on creditworthiness of at least an individual associated with the particular business, the method comprising:
with at least one machine comprising a processor:
searching for any of a founder, investor, or principal with controlling influence over the particular business, wherein said searching identifies the individual as one of a founder, investor, or principal of the particular business;aggregating a business credit profile containing business credit information about the particular business and a personal credit profile containing personal credit information about the individual;identifying a gap in the business credit profile of the particular business, wherein the gap is one of incomplete, missing, or obsolete business credit information within the business credit profile of the particular business;producing a supplemented business credit profile for the particular business by filling the gap in the business credit profile of the particular business with related personal credit information from the personal credit profile of the individual; andevaluating creditworthiness of the particular business based on the business credit information of the particular business and the personal credit information of the individual from the supplemented business credit profile.