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:
Sep. 20, 2011
Filed:
Jan. 19, 2010
Lisa Zarikian, Alpharetta, GA (US);
John Zippe, Newark, DE (US);
Natalia Micheloud, Suwanee, GA (US);
Lisa Zarikian, Alpharetta, GA (US);
John Zippe, Newark, DE (US);
Natalia Micheloud, Suwanee, GA (US);
Equifax, Inc., Atlanta, GA (US);
Abstract
Various embodiments of the present invention provide systems and methods for automatically compensating an individual's credit risk score for macroeconomic data. In particular, various embodiments provide systems and methods to determine a macroeconomic risk score. In addition, various embodiments provide systems and methods to determine an adjusted credit risk score for an individual based on the individual's credit risk score and a macroeconomic risk score that serves as a scale adjuster to keep overall delinquency and/or loss rates in line as economic factors change.