Methods and systems for simulau00c7u00e7o of pontuau00c7u00e7o of financial risk and seleu00c7u00e7o of case implemented by computer, and means legu00cdveis computer codificau00c7u00e7o computer program to simulate and select a pontuau00c7u00e7o of financial risk.

摘要

Methods and systems for simulation of score of financial risk and selection of scenario implemented by computer and computer readable media for encoding computer program to simulate and select a score of financial risk. Systems and methods are described that simulate a credit score.The system enables a user to modify an element of credit data, to determine their effect on credit scores, the user can modify the element directly or simulate an action that, if carried out, would change the element. Since the number of possible modifications and actions may be very large, in a mode, the system suggests modifications and actions to be simulated.These suggestions are tailored to the user goals, such as increasing a credit score is a number of particular points or allocate a sum of private money, in order to maximize a credit score.In one mode, the system obtains credit data from credit agencies and can determine multiple credit scores using different algorithms, such as the different algorithms used by the different credit agencies.