Andrew Mic Flint

US Patent:

7280980, Oct 9, 2007

Filed:

Jul 30, 2001

Appl. No.:

09/919074

Inventors:

Bruce Hoadley - Berkeley CA, US
Larry E. Rosenberger - San Rafael CA, US
Andrew Flint - New York NY, US

Assignee:

Fair Isaac Corporation - Minneapolis MN

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35

Abstract:

An exemplary Web-based score explanation service typically requires only the credit bureau identifier, credit score, and up to four reason codes as input. The invention herein discloses an algorithm that is used to provide an explanation of the primary factors influencing the score, where a rich data feed is provided to the facility implementing the algorithm.

US Patent:

8001041, Aug 16, 2011

Filed:

Jul 27, 2007

Appl. No.:

11/829606

Inventors:

Bruce Hoadley - Berkeley CA, US
Larry E. Rosenberger - San Rafael CA, US
Andrew Flint - New York NY, US

Assignee:

Fair Isaac Corporation - Minneapolis MN

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35

Abstract:

An exemplary Web-based score explanation service typically requires only the credit bureau identifier, credit score, and up to four reason codes as input. The invention herein discloses an algorithm that is used to provide an explanation of the primary factors influencing the score, where a rich data feed is provided to the facility implementing the algorithm.

US Patent:

20040199456, Oct 7, 2004

Filed:

Feb 22, 2001

Appl. No.:

09/790453

Inventors:

Andrew Flint - New York NY, US
Dale Lear - Austin TX, US
Cheri St. John - Petaluma CA, US

International Classification:

G06F017/60

US Classification:

705/038000

Abstract:

A Web site is provided that contains an array of informative resources including for-pay services and extranet functions to serve consumers and traditional players in the financial services industry, including financial counselors, mortgage brokers, direct lenders, large national credit issuers, and third-party credit report re-sellers, plus information seekers such as the press, consumer groups, and government agencies. A primary focus is to educate consumers, consumer groups, and the consumer press by offering them access to the exceptionally high-quality information, both general and personal, about the practices of collection, storing, reporting, and evaluating consumer credit data.