Abstract: A method for providing pre-data breach monitoring provides information to businesses that is useful to predict portions of the company data that may not be secured well enough and other risks associated with data breaches, such as employees that may not be trustworthy.

Abstract: A score factor system that may generate a score factor user interface that displays summary credit information for a particular consumer in selected credit categories. The system constructs flippable score factor interfaces for such display that, when touched, may be reversed to display explanatory text on how the corresponding credit category affects their credit report.

Abstract: Certain consumers may not have a credit report and, thus, may not be able to enroll in a credit monitoring service. A credit report monitoring system requests a credit report of consumers that are attempting to enroll in a credit monitoring service. If no credit report is located for the consumer, a credit report of the consumer is automatically periodically requested by the system. When a credit report is later located, the consumer may continue with enrollment in a credit report monitoring service. In this way, the consumer is alerted of the (possibly fraudulent) creation of a credit report and is quickly able to enroll in a credit monitoring service.

Abstract: Consumers often desire to compare themselves to other individuals. Disclosed herein are systems and methods of generating and displaying comparison information to users so that they can determine if they are “keeping up with the Joneses.

Abstract: Methods and systems of monitoring and reporting of changes to a user's credit data are provided. One embodiment includes providing a service, hosted by a data server, that allows the user to access the service via a communication terminal. The service may also request enrollment data, including identity verification data, from the user. Further, the service may periodically access and monitor the user's credit data for a change in the user's credit data via a connection between the data server and a credit bureau even if the data server has not received sufficient identity verification data from the user. Additionally, the service may determine whether a change detected in the user's credit data is a significant event. When an event or a significant event in the user's credit data is detected, the service may alert the user of the fact that an event has occurred even if the data server has not received sufficient identity verification data from the user.

Abstract: A card registry system is configured to automatically identify financial card information in one or more credit files associated with a consumer and populate a card registry account of the consumer with the identified financial card information. Once the financial card information has been obtained from the credit file(s), the card registry system may transmit cancellation and/or reissuance requests to the respective card issuers in the instance that one or more cards are compromised, so that the financial cards may be easily and efficiently cancelled and/or reissued at the request of the consumer.

Abstract: A data processing system communicates with a secure third-party database to obtain information about a user that is usable to determine one or more items associated with the user. The system then coordinates gathering and identification of additional data relevant to the user from other third-party data sources, to potentially update the user's information stored with the secure third-party database. The updated information may then be accessed at the secure third-party database to determine items associated with the user, which may include additional items in view of the additional data.

Abstract: Methods and systems are disclosed that generate life scores for individuals based on various information associated with the individuals. For example, life scores may be based on data associated with several aspects of the individual's life, such as work, family, hobbies, education, etc. The life scores may be generated in realtime and/or periodically and provided to the individual and/or shared with others in various formats.

Abstract: Systems and methods are provided for adjustment of difficulty level, quantity, and/or other parameters of knowledge-based authentication. The questions may be asked of a consumer based on one or more generated risk scores associated with the consumer's behavior, which may be derived from information received from the consumer, a representative responsible for entering information regarding the consumer, and/or from the consumer's computing device.

Abstract: Methods and systems are provided for generating and delivering an alert to an individual regarding a credit inquiry. For example, an inquiry request may be received that includes a request for credit data associated with an individual. An alert may then be generated and provided to the individual based on retrieved contact information associated with the individual. In some embodiments, the alert is generated regardless of whether the inquiry causes a change to credit data associated with the individual.

Abstract: Methods and systems are provided for generating alerts in association with a request to open an account for an individual. For example, information identifying an individual may be received from a financial entity in association with the financial entity receiving a request to open an account for the individual from a requesting entity. The requesting entity may be a vendor or service provider associated with the financial entity. An electronic notification may then be sent to the individual, which may include a selectable option to indicate that the individual does not authorize opening of the account. In response to receiving an indication that the individual does not authorize opening of the account, notifications may be sent to both the financial entity and the requesting entity indicating that the individual has not authorized opening of the account.

Abstract: A credit report system is provided that may generate various user interfaces for a consumer. Credit accounts may be accessed and analyzed by receiving data from one or more of the national credit bureaus. The credit report system may present account information to a consumer in the form of credit account tiles, wherein the tiles each represent an account of the consumer. The consumer may also be able to search credit accounts, sort credit accounts, view the impact of credit accounts on one or more of the consumer's credit scores, interact with the credit accounts, make payments to credit accounts, and otherwise monitor changes to consumer's credit accounts.

Abstract: A data processing system is disclosed for data processing, including database and file management, as well accessing one or more databases or other data structures, authenticating users, and categorizing data items for addition to the database system. In some embodiments, the system may be configured to coordinate access to user account information via user-provided authentication credentials; apply account identification rules to the accessed account information to identify a plurality of accounts of the user; and initiate updates to a database record associated with the user indicative of any accounts identified.

Abstract: In an embodiment, a computing system, such as a monitoring computer, receives a request from a user to monitor an account of the user with an online service provider. The request may include personal information and user preferences for one or more protective actions. The system periodically monitors external data sources for indications of changes to personal information associated with the account, and detects changes or attempted changes to personal information associated with the account. The system may determine risk levels associated with detected changes or attempted changes, and transmit a notification to the user via a communication channel selected based on the determined risk level and/or the user preferences. The system may also initiate protective actions, so that further unauthorized access to the account may be prevented.

Abstract: A computing system is configured to access a plurality of remote databases in order to identify data inconsistencies between the remote databases and provide user interfaces to a user in order to initiate communication via one or more APIs to certain remote databases indicating updates that reconcile said data inconsistencies.

Abstract: The present invention generally relates to monitoring and advising consumers of their outstanding credit balance by category of debt (i.e. including, but not limited to, the category of all credit cards, all real estate loans, all automotive loans, all revolving credit loans, etc.) and all minimum payments due by category of debt, and more particularly to an on-line method and system for monitoring and reporting total credit used by category of debt, total minimum payments due by category of debt and total unused available credit by category of debt, and alerting the consumer on a periodic basis via email. Since the credit report is the basis of most credit scores this invention is meant to provide the consumer with debt categories that are used in calculating their credit score, which is critical to future borrowing especially when the borrowing is approved or disapproved based only on the user's credit score.

Abstract: A card registry system is configured to automatically identify financial card information in one or more credit files associated with a consumer and populate a card registry account of the consumer with the identified financial card information. Once the financial card information has been obtained from the credit file(s), the card registry system may transmit cancellation and/or reissuance requests to the respective card issuers in the instance that one or more cards are compromised, so that the financial cards may be easily and efficiently cancelled and/or reissued at the request of the consumer.

Abstract: In an embodiment, a computer system receives credit information relating to a consumer, and calculates a credit score associated with the consumer. The system constructs a credit score scenario user interface. The system maintains a plurality of credit score simulation scenarios, and calculates a plurality of simulated credit scores associated with respective credit score simulation scenarios. The system also constructs a credit score simulation control interface. The system maintains a plurality of credit score simulation parameters, and generates a user interface with a graphical indication of the calculated credit score and a plurality of sliders, each slider being divided into segments that are colored to graphically indicate the likely effect of repositioning the slider within the respective segment. When the user repositions the sliders, the graphical indication of the calculated credit score is adjusted, based on a recalculation of the credit score.

Abstract: A credit report system is disclosed which may provide credit data to a consumer in the consumer's search results or at other times when credit data may be useful to a consumer. Searches relevant to credit data may be determined based on the search terms entered, or based on the results of the search. Credit data may be provided if the consumer accesses webpages relevant to credit reports or credit scores. The credit report system may also authenticate the consumer's identity before providing credit data to the consumer. Credit data may include the consumer's credit score as well as other information such as credit report data that may be useful to a consumer.

Abstract: A digital identity, which may include a user interface that may be displayed on a mobile computing device, may be generated to include information extracted from a physical identification card (e.g., driver license or passport), as well as information regarding validation of the physical identification card and of the consumer's identity. The digital identity may be used in place of the physical identification card.