Credit data analysis

摘要

A computer system receives credit information relating to a consumer and a number of high scorers, and determines credit score factors associated with the consumer and the high scorers. The system may construct flippable score factor displays comprising consumer specific information specific to a credit category that may be reversed to display explanatory text regarding how that credit category affects their credit report. The score factor display may include a comparison between the consumer's scores and the high scorers' scores in a number of categories. Scores of high scorers may be periodically refreshed. Additionally, the group of high scorers may be limited according to a particular demographic, such as a geographic location, that may be selectable by a user.

主权项

1. A computer-implemented method of electronic credit data analysis in an electronic environment, the method comprising:
as implemented by one or more computer systems comprising computer hardware and memory, the one or more computer systems configured with specific executable instructions,
receiving a request from a requestor for an electronic consumer credit analysis;accessing, from an electronic data store over a network, consumer credit data associated with a plurality of consumers, wherein the requestor is one of the plurality of consumers;
designating a plurality of high scorers from the plurality of consumers, the plurality of high scorers each having associated credit scores that exceed a predetermined threshold;calculating, with a processor, for each of one or more credit categories, a high scorers score based at least in part on consumer credit data associated with the plurality of high scorers; andtransmitting, over the network, to the requestor, the electronic consumer credit analysis including the one or more credit categories, the one or more high scorers scores for the respective credit categories, and consumer credit data associated with the requestor for the respective credit categories.