Raymond P Dalessandro

US Patent:

20110313912, Dec 22, 2011

Filed:

Jun 9, 2011

Appl. No.:

13/157019

Inventors:

Michael Teutsch - Hudson OH, US
Carl Trownson, JR. - Streetsboro OH, US
Raymond P. Dalessandro - Stow OH, US
Eric P. Svonavec - Richmond Heights OH, US
James M. Balint - Stow OH, US
Stephen E. Smith - Rolla MO, US

Assignee:

ETACTICS, LLC - Stow OH

International Classification:

G06Q 40/00
G06Q 50/00

US Classification:

705 38

Abstract:

Some embodiments may relate to a computerized data stratification and correspondence generation process. For instance, in some embodiments a processor may retrieve a guarantor's income predictor, number of dependents, Open Auto, Mortgage, Open To Buy, HCPI, Derogatories, Open To Buy, and Total Charges from a plurality of data sources, and the processor may take the sum of the guarantor's HCPI and HCPI adjustment amounts. Such a calculation may result in a payment probability indicator. In some embodiments the indicator may correspond to one or more debt collection methodologies.