Id Analytics, Inc.

Quan Lu

Stephen V Coggeshall

Shanji Xiong

Yinghua Lin

Jianjun Xie

Guowei Wu

A technique is provided for determining credit ratings without the need for traditional credit bureau data. In at least one embodiment of the invention, a method comprises the steps of providing a network of linked identity records, each identity record comprising identity related information; receiving an identity record comprising identity related information of the entity; linking the received identity record with at least one of the identity records in the network of linked identity records, quantifying a plurality of linked identity records related to the entity; and generating a credit rating for the entity based on the quantified identity records. Application of the invention is particularly useful for individuals with less than a few years credit behavior recorded on a credit bureau, such as immigrants or young people with limited traditional historical information ('thin file') and individuals with no traditional historical information ('no hit').

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San Jose, CA, United States of America

Quan Lu