Sharing credit information between credit-providing companies and debt-collection companies

摘要

Credit information is shared between credit-providing companies and debt-collection companies. A computer-implemented method includes receiving over a network first data from credit-providing companies. The first data represents credit information regarding debtors. This first data is stored within a centralized database. The method also includes receiving over the network second data representing queries from debt-collection companies and which are to be proceeded against the first data stored within the centralized database. Each query relates to a debtor that has defaulted on debt thereof. Each query is processed against the first data stored within the centralized database, yielding third data representing the credit information of the debtor to which the query in question relates. The method further includes sending the third data over the network to the debt-collection company from which the query was received.