The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jun. 18, 2024
Filed:
Nov. 10, 2021
Applicant:
Consumerinfo.com, Inc., Costa Mesa, CA (US);
Inventors:
Michael John Dean, Torrance, CA (US);
Mark Joseph Kapczynski, Santa Monica, CA (US);
Assignee:
ConsumerInfo.com, Inc., Costa Mesa, CA (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/03 (2023.01); G06Q 40/02 (2023.01);
U.S. Cl.
CPC ...
G06Q 40/03 (2023.01); G06Q 40/02 (2013.01);
Abstract
Methods and systems are disclosed that identify and locate debt settlement candidates based on credit data associated with the consumer. For example, candidacy may be based on a debt score, generated by an assessment of the consumer's credit data. Credit data may include the consumer's credit score rank, credit score, revolving credit to debit ratio, credit available, delinquent accounts, negative accounts, instances of negative information on their credit report, public record data, average account age, debit, or a combination thereof.