Credit utilization tracking and reporting

Abstract

Credit utilization of a plurality of credit lines associated with a consumer may be stored and/or determined for multiple points in time. Credit utilization at each point in time may be used to indicate a relationship between a total credit limit and an available credit amount for respective credit lines at respective points in time. A computer system may determine one or more thresholds for respective credit lines, which may indicate levels at which a credit score of the consumer may be affected by credit utilization above the respective thresholds. The levels at which a credit score of the consumer may be affected may be determined based on information accessed from one or more credit bureaus and one or more credit score formulae used by the one or more credit bureaus.

1 . (canceled) 
     
     
         2 . A computer system for generating alerts based on triggering one or more threshold conditions, the computer system comprising:
 a memory; and   one or more processors configured to:
 determine a default usage threshold indicating a credit usage level at which a credit score of a consumer may be affected; 
 periodically access or retrieve credit data of the consumer for a plurality of credit lines, wherein the plurality of credit lines include credit lines associated with two or more different credit card issuers; 
 calculate a current credit utilization for each of the plurality of credit lines based on the periodically accessed or retrieved credit data; and 
 in response to determining that a first current credit utilization of a first credit line of the plurality of credit lines exceeds the default usage threshold:
 generate an electronic notification indicating that the consumer has exceeded the default usage threshold for the first credit line; and 
 cause transmission of the electronic notification to a computing device of the consumer. 
 
   
     
     
         3 . The computer system of  claim 2 , wherein the electronic notification comprises a graph of credit utilization over a period of time. 
     
     
         4 . The computer system of  claim 2 , wherein the electronic notification comprises at least one suggestion to improve the credit score of the consumer. 
     
     
         5 . The computer system of  claim 2 , wherein the credit data includes credit card account data for the corresponding credit line. 
     
     
         6 . The computer system of  claim 2 , wherein a business system is configured to use the credit data to charge one or more credit card accounts without the consumer separately providing any credit card account data to the business system. 
     
     
         7 . The computer system of  claim 2 , wherein the default usage threshold includes a default high usage threshold. 
     
     
         8 . The computer system of  claim 2 , wherein the default usage threshold includes a default low usage threshold. 
     
     
         9 . The computer system of  claim 2 , wherein to periodically access or retrieve credit data of the consumer includes periodically accessing updated credit data of the consumer from a credit bureau. 
     
     
         10 . The computer system of  claim 2 , wherein the one or more processors are further configured to receive, from the computing device of the consumer, a custom credit utilization threshold indicating a utilization percentage at which an alert is sent to the consumer, and updating the default usage threshold based on the received custom credit utilization threshold. 
     
     
         11 . The computer system of  claim 2 , wherein the one or more processors are further configured to automatically select a credit line of the plurality of credit lines for use on a particular transaction. 
     
     
         12 . A computer-implemented method comprising:
 determining a default usage threshold indicating a credit usage level at which a credit score of a consumer may be affected;   periodically accessing or retrieving credit data of the consumer for a plurality of credit lines, wherein the plurality of credit lines include credit lines associated with two or more different credit card issuers;   calculating a current credit utilization for each of the plurality of credit lines based on the periodically accessed or retrieved credit data; and   in response to determining that a first current credit utilization of a first credit line of the plurality of credit lines exceeds the default usage threshold:
 generating an electronic notification indicating that the consumer has exceeded the default usage threshold for the first credit line; and 
 causing transmission of the electronic notification to a computing device of the consumer. 
   
     
     
         13 . The computer-implemented method of  claim 12 , wherein the electronic notification comprises a graph of credit utilization over a period of time. 
     
     
         14 . The computer-implemented method of  claim 12 , wherein the electronic notification comprises at least one suggestion to improve the credit score of the consumer. 
     
     
         15 . The computer-implemented method of  claim 12 , wherein the credit data includes credit card account data for the corresponding credit line. 
     
     
         16 . The computer-implemented method of  claim 12 , wherein a business system is configured to use the credit data to charge one or more credit card accounts without the consumer separately providing any credit card account data to the business system. 
     
     
         17 . The computer-implemented method of  claim 12 , wherein the default usage threshold includes a default high usage threshold. 
     
     
         18 . The computer-implemented method of  claim 12 , wherein the default usage threshold includes a default low usage threshold. 
     
     
         19 . The computer-implemented method of  claim 12 , wherein periodically accessing or retrieving credit data of the consumer includes periodically accessing updated credit data of the consumer from a credit bureau. 
     
     
         20 . The computer-implemented method of  claim 12 , wherein the method further comprises receiving, from the computing device of the consumer, a custom credit utilization threshold indicating a utilization percentage at which an alert is sent to the consumer, and updating the default usage threshold based on the received custom credit utilization threshold. 
     
     
         21 . The computer-implemented method of  claim 12 , wherein the method further comprises automatically selecting a credit line of the plurality of credit lines for use on a particular transaction.