Methods and systems for actively optimizing a credit score and managing/reducing debt

Abstract

The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances, interest rates, and rate types for the credit accounts. The method further receives bank account and payroll information, as well as fixed and variable expense information. The method then generates a financial report based on the received information. Based on the financial report, the method calculates a payment amount, and determines available unassigned income. An allocation of the available income for debt reduction and credit score optimization is received, and the method dynamically allocates the funds to pay the credit accounts, the fixed expenses, and variable expenses such that the customer's debt is reduced and the customer's credit score is improved.

1 . (canceled) 
     
     
         2 . A system comprising:
 a payment center system in communication with a first party, a second party, and a third party, wherein the payment center system is configured to:
 receive a bill from the first party for a customer; 
 receive an account statement from the second party for the customer; 
 receive income information from the third party regarding the customer; 
 determine an amount of available unassigned income based at least in part on the bill, the account statement, and the income information; and 
 allocate at least a portion of the amount to reduce debt owed to the second party. 
   
     
     
         3 . The system of  claim 2 , wherein the payment center system is further configured to:
 generate a financial report based at least in part on the bill, the account statement, and the income information.   
     
     
         4 . The system of  claim 3 , wherein the payment center system is further configured to:
 send the financial report to the customer.   
     
     
         5 . The system of  claim 2 , wherein the payment center system is further configured to:
 receive additional financial information from the customer, wherein determining an amount of available unassigned income is further based on the additional financial information.   
     
     
         6 . The system of  claim 2 , wherein the payment center system is further configured to:
 determine an offer to provide to the customer based at least in part on the bill, the statement, and the income information, wherein the offer is selected from a group consisting of:
 a debt consolidation offer; 
 a credit card offer; 
 a mortgage loan offer; and 
 an automobile loan offer; and 
   send the offer to the customer.   
     
     
         7 . The system of  claim 6 , wherein the payment center system is further configured to:
 receive an acceptance of the offer from the customer; and   allocate income of the customer to fund the acceptance of the offer.   
     
     
         8 . The system of  claim 2 , wherein the account statement comprises:
 an account balance; and   an interest rate.   
     
     
         9 . The system of  claim 2 , wherein the income information comprises:
 a frequency; and   a quantity.   
     
     
         10 . The system of  claim 2 , wherein the payment center system is further configured to:
 allocate at least another portion of the amount to pay expenses of the customer.   
     
     
         11 . The system of  claim 2 , wherein the payment center system is further configured to:
 reallocate at least the portion of the amount based at least in part on a determination that such reallocation will increase the customer's credit score.   
     
     
         12 . A method comprising:
 receiving, from a first party, a bill for a customer;   receiving, from a second party, an account statement for the customer;   receiving, from a third party, income information regarding the customer;   determining an amount of available unassigned income based at least in part on the bill, the account statement, and the income information; and   allocating at least a portion of the amount to reduce debt.   
     
     
         13 . The method of  claim 12 , wherein the debt is owed to the first party. 
     
     
         14 . The method of  claim 12 , wherein the debt is owed to the second party. 
     
     
         15 . The method of  claim 12 , wherein the method further comprises:
 generating a financial report based at least in part on the bill, the account statement, and the income information.   
     
     
         16 . The method of  claim 12 , wherein the method further comprises:
 receiving additional financial information from the customer, wherein determining an amount of available unassigned income is further based on the additional financial information.   
     
     
         17 . The method of  claim 12 , wherein the method further comprises:
 reallocating at least the portion of the amount based at least in part on a determination that such reallocation will increase the customer's credit score.   
     
     
         18 . A system comprising:
 a processor; and   a non-transitory machine readable medium having instructions stored thereon, the instructions executable by the processor for at least:
 receiving, from a first party, a bill for a customer; 
 receiving, from a second party, an account statement for the customer; 
 receiving income information regarding the customer; 
 determining an amount of available unassigned income based at least in part on the bill, the account statement, and the income information; and 
 allocating at least a portion of the amount to a savings account of the customer. 
   
     
     
         19 . The system of  claim 18 , wherein the instructions are further executable by the processor for:
 generating a financial report based at least in part on the bill, the account statement, and the income information.   
     
     
         20 . The system of  claim 18 , wherein the instructions are further executable by the processor for:
 receiving additional financial information from the customer, wherein determining an amount of available unassigned income is further based on the additional financial information.   
     
     
         21 . The system of  claim 18 , wherein the instructions are further executable by the processor for:
 reallocating at least the portion of the amount based at least in part on a determination that such reallocation will increase the customer's credit score.