Credit report-based predictive models

Details Credit report-based predictive models Credit report-based predictive models

G - Physics

06

Q

G06Q 30/00 (2006.01) G06Q 40/00 (2006.01)

Patent

CA 2622929

An example embodiment provides for systems, apparatuses and methods directed to determining the likelihood that a given individual may need or obtain a credit product. This is accomplished by obtaining non-contemporaneous snapshots of credit files and using the non-contemporaneous snapshots to build a predictive model to determine a likelihood that a given individual will be needing a credit product. In one implementation, the credit product is a non-credit product. Other systems, apparatuses and methods can also be employed to sell preferential placement of advertisements on a website.

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