{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-8515842","patent":{"patent_number":"US-8515842","title":"Systems and methods for monitoring and optimizing credit scores","assignee":null,"inventors":[],"filing_date":"2010-09-14T00:00:00.000Z","publication_date":"2013-08-20T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q"],"num_claims":22,"abstract":"The present disclosure provides systems and methods that monitor, on a recurring basis, a consumer's behavior as reflected on both the consumer's credit report and other sources, identifies opportunities for optimizing the consumer's credit score, warns proactively of actions that can damage a consumer's credit score, and identifies the right time for consumers to take certain actions, including, but not limited to, actions like applying for a new credit card or closing an existing credit card. The present disclosure also provides systems and methods that implement or can assist in the implementation of the recommended actions on behalf of the consumer."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Systems and methods for monitoring and optimizing credit scores","description":"The present disclosure provides systems and methods that monitor, on a recurring basis, a consumer's behavior as reflected on both the consumer's credit report and other sources, identifies opportunit","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-8515842","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-8515842","citation_suggestion":"Patentable. \"Systems and methods for monitoring and optimizing credit scores\" (US-8515842). https://patentable.app/patents/US-8515842","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-8515842","json":"https://patentable.app/api/llm-context/US-8515842","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T19:08:16.695Z"}