09256904 is referenced by 29 patents and cites 1480 patents.

The systems and methods described herein allow consumers to lock or unlock their credit files at multiple credit bureaus in real-time or near real-time. The service may allow a consumer to provide identifying information, such as a personal identifier to lock or unlock credit files at a plurality of credit bureaus over a network. Upon receiving the personal identifier, the system may use the personal identifier to translate the identifier into a plurality of access codes for respective credit bureaus, for example by accessing a data structure, such as a database or table, that stores a personal identifier and access codes that are associated with a consumer. The system may then use the access codes to automatically initiate locking or unlocking of credit files for the consumer at the respective credit bureaus.

Title
Multi-bureau credit file freeze and unfreeze
Application Number
12/541835
Publication Number
9256904 (B1)
Application Date
August 14, 2009
Publication Date
February 9, 2016
Inventor
Kelly Kent
Newport Beach
CA, US
Eric Haller
Escondido
CA, US
Agent
Knobbe Martens Olson & Bear
Assignee
Experian Information Solutions
CA, US
IPC
G06Q 40/00
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