发明名称 |
SYSTEMS AND METHODS FOR DETERMINING THIN-FILE RECORDS AND DETERMINING THIN-FILE RISK LEVELS |
摘要 |
In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine a potential risk level associated with an unscoreable credit record based on non-credit data. Existing scoreable and unscoreable records are compared to determine factors correlated with having an unscoreable record, and a multi-level filter is developed. Unscoreable records having at least one entry are compared to determine whether they are "good" or "bad" risks, factors correlated with either condition are determined, and a filter is developed. The filters can be applied to records comprising demographic data to determine consumers that are likely to have unscoreable records but represent good risks.
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申请公布号 |
US2008255975(A1) |
申请公布日期 |
2008.10.16 |
申请号 |
US20070871572 |
申请日期 |
2007.10.12 |
申请人 |
CHAUDHURI ANAMITRA;HADENFELDT NANCY A;HJERMSTAD ERIK |
发明人 |
CHAUDHURI ANAMITRA;HADENFELDT NANCY A.;HJERMSTAD ERIK |
分类号 |
G06Q40/00;G06F17/30;G06F17/40 |
主分类号 |
G06Q40/00 |
代理机构 |
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地址 |
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