A system and method are disclosed for presenting a reason for the rejection of a credit application from an applicant is disclosed. The method includes obtaining a factor from a credit bureau identified as a factor that influences the FICO score assigned to the application by the credit bureau. The factor...http://www.google.com.au/patents/US7143063?utm_source=gb-gplus-sharePatent US7143063 - Method and apparatus for a verifiable on line rejection of an applicant for credit