System and Method for Assembling Credit Data

摘要

An interface receives credit data from a plurality of data sources. The credit data comprises customer information. A processor determines a customer identifier associated with the credit data and links the customer identifier associated with the credit data to a customer identifier associated with historical credit data. The processor determines whether the customer information of the credit data is different from customer information of the historical credit data. When the customer information of the credit data is different than the customer information of the historical credit data, the processor updates the customer information of the credit data to match the customer information of the historical credit data. The interface communicates the updated credit data to a plurality of external modules with each external module associated with a credit bureau. The processor updates the historical credit data to include the updated credit data. The interface receives feedback from each external module, wherein the feedback comprises an external credit file report and rejected credit information from the communicated credit data and communicates the feedback from each external module to a data source.

主权项

1. A system, comprising:
an interface operable to receive credit data from a plurality of data sources, the credit data comprising customer information; a processor communicatively coupled to the interface and operable to:
determine a customer identifier associated with the credit data;link the customer identifier associated with the credit data to a customer identifier associated with historical credit data;determine whether the customer information of the credit data is different from customer information of the historical credit data;when the customer information of the credit data is different than the customer information of the historical credit data, update the customer information of the credit data to match the customer information of the historical credit data; the interface is further operable to communicate the updated credit data to a plurality of external modules, each external module associated with a credit bureau; the processor is further operable to update the historical credit data to include the updated credit data; and the interface is further operable to:
receive feedback from each external module, wherein the feedback comprises an external credit file report and rejected credit data from the communicated credit data; andcommunicate the feedback from each external module to a data source.