Abstract: A method and device for treating tinnitus and/or hearing impairment of a user at bedtime includes providing an audio stimulus to the user using a parametric array speaker. Some embodiments treat tinnitus by removing a frequency notch corresponding to the user's tinnitus frequencies from the audio signal. The audio signal may be ambient sound detected by a microphone, or may be a prerecorded file which may comprise noise or other audio such as audiobooks or music. Some embodiments combine treatment of tinnitus or hearing impairment with treatment for apnea, hypopnea or snoring.

Abstract: A Device to detect, assess and treat Snoring, Sleep Apneas and Hypopneas. The present invention (the “Invention”) relates to an apparatus to detect, assess and end occurrences of snoring, sleep apnea events and hypopnea episodes, in a manner that will decrease or eliminate hypoxia, hypercapnia and the disturbance of cardiac and pulmonary hemodynamics, and give users of the apparatus a report of their critical sleep data each morning.

Abstract: A creditor creates a lock box at a financial institution. The lock box includes an escrow provision. A consumer makes regularly scheduled payments to the financial institution and designates the payment either for the creditor's lock box or for the escrow account. The financial institution reports all payments and escrow events to the creditor and to the credit payment data repository. All credit payment data maintained in the credit data repository is maintained securely and will not be released without the consent of the consumer. The credit data maintained in the repository is used to report a credit score, which occurs only when the consumer authorizes the release of the data.

Abstract: A system and method for verifying a stream of payments includes accepting a request for verification and, optionally, supporting documentation relating to the payments from a user such as a consumer and transmitting the request and the supporting documentation to a verifier who is unknown to the consumer at the time the request is made. The verifier directly contacts the payee to verify the payment stream. If the verifier indicates that the payment stream has been verified, the consumer is notified and given the opportunity to designate a third party recipient to whom the verification will be sent.

Abstract: A creditor creates a lock box at a financial institution. The lock box includes an escrow provision. A consumer makes regularly scheduled payments to the financial institution and designates the payment either for the creditor's lock box or for the escrow account. The financial institution reports all payments and escrow events to the creditor and to credit payment data repository. All credit payment data maintained in the credit data repository is maintained securely and will not be released without the consent of the consumer. The credit data maintained in the repository is used to report a credit score, which occurs only when the consumer authorizes the release of the data.

Abstract: A consumer arranges for a verifiable source to provide credit terms pertaining to a credit agreement to a data repository. The consumer and/or the creditor arranges with a financial institution such as a bank to report payment data to the data repository. The financial institution may be associated with either the consumer or the credit provider. The financial institution(s) reports the amounts and timing of payments to the data repository. The payment information preferably includes the actual date of the payment. The payment information is compared to the credit terms and compliance information is provided to potential credit providers directly and/or through reporting to traditional credit bureaus.

Abstract: A creditor creates a lock box at a financial institution. The lock box includes an escrow provision. A consumer makes regularly scheduled payments to the financial institution and designates the payment either for the creditor's lock box or for the escrow account. The financial institution reports all payments and escrow events to the creditor and to credit payment data repository. All credit payment data maintained in the credit data repository is maintained securely and will not be released without the consent of the consumer. The credit data maintained in the repository is used to report a credit score, which occurs only when the consumer authorizes the release of the data.

Abstract: A residential housing creditor creates a lock box at a financial institution. The lock box includes an escrow provision. A consumer makes regularly scheduled payments to the financial institution and designates the payment either for the creditor's lock box or for the escrow account. The financial institution reports all payments and escrow events to the creditor and to a housing credit data repository. All credit data maintained in the residential housing credit data repository is maintained securely and will not be released without the consent of the consumer. The credit data maintained in the repository is used to report a residential housing credit score, which occurs only when the consumer authorizes the release of the data.