US Patent 8086523 Credit risk evaluation with responsibility factors

A system, device, and method for calculating an enhanced credit score using insurance rating information, individual rating factors, interaction rating factors, geographic rating factors, vehicle monitoring rating factors, and/or credit risk information is disclosed. Insurance rating information, individual rating factors, interaction rating factors, geographic rating factors, and vehicle monitoring rating factors, either individually or in combinations, may be used as inputs to a novel credit-scoring model to calculate an enhanced or improved credit score for an individual or other type of credit user. The novel credit-scoring model may be implemented in a computer-readable medium comprising computer-executable instructions for causing a computing device to calculate an enhanced credit score. The computer-executable instructions may be arranged into an input module, output module, and calculation module. The modules may be used to calculate an enhanced credit score that may be used by lending institutions and others to determine the terms of a financing agreement with a user.