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:
Mar. 24, 2026
Filed:
Nov. 01, 2022
Consumerinfo.com, Inc., Costa Mesa, CA (US);
John Haviland Cornell, III, Laguna Beach, CA (US);
Aaron Jordan Kline, San Diego, CA (US);
Jazmin Adriana Quezada, Santa Ana, CA (US);
Lucy Okamuro, Costa Mesa, CA (US);
Christopher Brian Orchid, Irvine, CA (US);
Debbie Hsu, Irvine, CA (US);
Michelle Felice-Steele, Woodland Hills, CA (US);
Matt Nobar, Irvine, CA (US);
ConsumerInfo.com, Inc., Costa Mesa, CA (US);
Abstract
The present disclosure describes systems and methods for providing new credit files for individuals without a credit file by generating header information and assigning a personal identifier (or PIN) for the newly created header file without any negative impacts on the new credit file (such as a credit inquiry). The credit system can recommend the addition of new tradelines, such as through review of transaction data from financial institutions to identify a new tradeline, or recommending new credit cards curated for individuals with new credit files. The credit system can infer an open date for a new tradeline found in the transaction data by identifying the earliest transaction date for the set of transactions that correspond to a particular category.