Patents by Inventor Cheryl Lynn St. John

Cheryl Lynn St. John has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Method and apparatus for explaining credit scores
    Publication number: 20030046223
    Abstract: The invention comprises a method and apparatus for explaining credit scores, for example in connection with a credit score explanation service, in which consumers can identify the sources of information used to establish their credit score, supply their credit report and credit score information in connection with their application for credit-related products and services, such as loans, and determine the effect on their credit score and cost for credit-related products and services based upon various hypothetical changes in their credit behavior.
    Type: Application
    Filed: June 25, 2002
    Publication date: March 6, 2003
    Inventors: Stuart Crawford, Andrew Flint, Sharon Anne Hatcher, Keith Owen Hillestad, Thomas J. Quinn, Michael William Rapaport, Sue Ann Simon, Michael Scott Steele, Cheryl Lynn St. John