1
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan: Method and apparatus for an account level offer of credit and real time balance transfer. NextCard, Van Pelt & Yi, November 27, 2001: US06324524 (473 worldwide citation)

A system and method are disclosed for presenting multiple custom offers to an applicant for credit over a network. The method includes obtaining a credit report containing applicant data. A plurality of offers are presented to the applicant. The plurality of offers are derived from the applicant dat ...


2
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan: Method and apparatus for real time on line credit approval. NextCard, Van Pelt & Yi, June 11, 2002: US06405181 (369 worldwide citation)

A system and method are disclosed for providing real time approval of credit over a network. The method includes obtaining applicant data from an applicant. The applicant data is analyzed into a form suitable for directly obtaining a credit report from a credit bureau for the applicant. A credit rep ...


3
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan: Method and apparatus for a verifiable on line rejection of an application for credit. NextCard, Van Pelt & Yi, May 20, 2003: US06567791 (222 worldwide citation)

A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor identi ...


4
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan: Method and apparatus for a verifiable on line rejection of an applicant for credit. NextCard, Van Pelt Yi & James, November 28, 2006: US07143063 (159 worldwide citation)

A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The ...


5
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan, Dermot Gately: Method and apparatus for a verifiable on line rejection of an applicant for credit. NextCard, Gardere Wynne Sewell, March 17, 2009: US07505939 (92 worldwide citation)

A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The ...


6
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan, Dermot Gately: Method and apparatus for a verifiable on line rejection of an applicant for credit. NextCard, Gardere Wynne Sewell, Marc A Hubbard, July 13, 2010: US07756781 (8 worldwide citation)

A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. Th ...


7
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan, Dermot Gately: Method and apparatus for a verifiable on line rejection of an applicant for credit. NextCard, Van Pelt Yi & James, February 1, 2007: US20070027785-A1

A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The ...


8
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan: Method and apparatus for a verifiable on line rejection of an applicant for credit. NextCard, Van Pelt & Yi, February 26, 2004: US20040039687-A1

A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The ...


9
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan: Method and Apparatus for Real Time Online Credit Approval. Gardere Wynne Sewell, October 30, 2008: US20080270295-A1

A system and method are described for providing real time approval of credit over a network. The method includes obtaining applicant data from an applicant. The applicant data is analyzed into a form suitable for directly obtaining a credit report from a credit bureau for the applicant. A credit rep ...


10
Jeremy R Lent, Mary Lent, Eric R Meeks, Yinzi Cai, Timothy J Coltrell, David W Dowhan, Dermot Gately: Method and Apparatus for a Verifiable On Line Rejection of an Applicant for Credit. Gardere Wynne Sewell, October 30, 2008: US20080270294-A1

A system and method are disclosed for presenting a reason for the rejection of 5 a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. Th ...