Database structure for a consumer reporting agency

摘要

A database used by a consumer reporting agency for storing application information data in association with transaction and experience information. A consumer applying for credit submits personal and financial information either verbally or by filling out a form. The application information data submitted verbally or by a form is submitted by an institution along with a request for a credit report on the consumer. The consumer reporting agency receives the request and stores the application information separately from the transaction and experience information. Each time an institution submits application information data related to the consumer, the data is accumulated in successive records and maintained. In response to a request for a report on a consumer, the consumer reporting agency forwards a response based on the application records accumulated.