A system and method is provided that provides tools to consumers to help consumers understand their credit scores and how to take action to improve their credit scores. A system and method for each of and for a combination of a score estimating tool, a best action simulation tool, an easy error correction...http://www.google.de/patents/US7711635?utm_source=gb-gplus-sharePatent US7711635 - System and method for helping consumers understand and interpret credit scores