Consumerinfo. Com, Inc.

Consumerlnfo.com, Inc.

Michelle Felice-Steele

Melinda Nies

Luke Giltner

Jeremy Wasser

Srikumar Puthupadi Kanthadai

Aga Dzhafar Hady Ogiu Dzhafarov

Ravi Devesetti

Donna Meryl Smith

Gregory Lennox Wright

Shivakumar Ramanathan

Mukeshkumar G Patel

Joe Manna

Pat Finneran

Michele Raneri

Paul DeSaulniers

Marizette Galvez

Jeff Softley

Ujjayan Banerjee

Shannon Thornburg

Geoffrey Nori

Chris Liao

Nelson Yu

Gregory Thomas Olson

Roman Bercot

A data processing system is disclosed for data processing, including database and file management, as well accessing one or more databases or other data structures, authenticating users, and categorizing data items for addition to the database system. In some embodiments, the system may be configured to coordinate access to user account information via user-provided authentication credentials; apply account identification rules to the accessed account information to identify a plurality of accounts of the user; and initiate updates to a database record associated with the user indicative of any accounts identified.

Authenticated access and aggregation database platform

Several credit score management user interfaces that may comprise a credit score thresholds user interface, a credit score alert settings user interface, and several credit score alert notification user interfaces, enable a consumer to set and/or adjust credit score goals and warnings, and credit score alert settings. The credit score threshold visual interface may present one or more credit score thresholds (for credit score goals and/or warnings) for the consumer on a line graph. The consumer may set and/or adjust the credit score thresholds based on touch input. The user interfaces may be updated automatically in real-time in response to the touch input. Alerts may be generated and provided to the consumer based on alert settings, changes to the consumer's credit information, the credit score thresholds, and/or macroeconomic events or factors.

Credit score goals and alerts systems and methods

A user permission system manages and regulates access to secure data at one or more third-party data sites. The system may provide access to one or more databases or other data structures based on user authentication and access rules that have been established, such as by a user associated with the data being accessed at the third party data store. Access may be provided via an API to the third-party data site, along with access credentials of a user with data stored with the third-party data site, allowing the system to access data on behalf of the user.

User permissions for access to secure data at third-party

The systems and methods described herein allow users to control access to regulated data of the user (stored in a secured third party database) through interaction on a mobile device (or other computing device), such as to provide a touch gesture on the mobile device that causes the users regulated data to be accessible to a third party. The regulated data may include credit data of the user, such as a credit report or credit file. Access rights to the regulated data may be provided in real-time (or near real-time) in response to a request for the data from a third party, for example. The system may allow a user to respond to an alert or notification that is automatically sent to the computing device of the user in response to a request for a secure regulated data of the user.

Realtime access and control of secure regulated data

A data processing system communicates with a secure third-party database to obtain information about a user that is usable to determine one or more items associated with the user. The system then coordinates gathering and identification of additional data relevant to the user from other third-party data sources, to potentially update the user's information stored with the secure third-party database. The updated information may then be accessed at the secure third-party database to determine items associated with the user, which may include additional items in view of the additional data.

Database platform for realtime updating of user data from third party sources

A score factor system that may generate a score factor user interface that displays summary credit information for a particular consumer in selected credit categories. The system constructs flippable score factor interfaces for such display that, when touched, may be reversed to display explanatory text on how the corresponding credit category affects their credit report.

Presentation of credit score factors

A credit score user interface that may comprise a circular visual interface to view a consumer's credit information is disclosed herein. Sections of the circular visual interface may correspond to credit categories, where each section is sized according to the impact of the associated credit category on the consumer's credit score. One of the category sections may be selected, and credit information about a specific consumer that is related to that section may be displayed. The selected credit category may change based on touch input. A change in selection may cause new credit information related to the newly selected credit category to be displayed about the specific consumer.

Circular rotational interface for display of consumer credit information

Growing community of inventors

Los Angeles, CA, United States of America

Michelle Felice-Steele