Firm offers of credit system

摘要

A computer-implemented method for providing firm offers of credit to a consumer includes receiving consumer information from a consumer via a network, receiving a selection via the network from the consumer to permit at least one soft credit inquiry of the consumer's credit record, submitting a soft credit inquiry to a credit reporting agency, the soft credit inquiry based on the consumer information, receiving at least one firm offer of credit from the credit reporting agency, the firm offer of credit resulting from the credit reporting agency performing the soft credit inquiry on the consumer's credit record, each firm offer of credit provided by a credit issuer; and providing the at least one firm offer of credit to the consumer via the network.

主权项

1. A computer-implemented method for providing firm offers of credit to a consumer comprising:
receiving, by one or more processors, consumer information from a consumer via a network; receiving, by the one or more processors, via the network from the consumer, a selection to opt in to a credit prescreen or a selection to opt in to a service including the credit prescreen; submitting, by the one or more processors, to a credit reporting agency via the network, at least a portion of the consumer information; receiving, by the one or more processors, from the credit reporting agency via the network, a list including at least one firm offer of credit provided by at least one credit issuer and resulting from the credit reporting agency performing the credit prescreen, the credit prescreen including:
obtaining, by the one or more processors, a credit history of the consumer;comparing, by the one or more processors, the credit history of the consumer to at least one credit prescreen model to determine if the credit history of the consumer qualifies the consumer to receive a firm offer of credit corresponding to a particular credit prescreen model; andif the consumer qualifies to receive the firm offer of credit corresponding to the credit prescreen model:
adding, to the list, the firm offer of credit corresponding to the credit prescreen model; andposting, to a credit record of the consumer, a soft credit inquiry related to the added firm offer of credit; and providing, by the one or more processors, to the consumer via the network, the list including the at least one firm offer of credit.