1. A compound of the formula (I) andor an agrochemically compatible salt thereof
in which
R1 and R2, independently of one another, are selected from the group consisting of
hydrogen, halogen, hydroxy, cyano, nitro, amino, C(O)OH, C(O)NH2;
(C1-C6)-alkyl, (C1-C6)-haloalkyl, (C1-C6)-alkylcarbonyl, (C1-C6)-halo-alkylcarbonyl, (C1-C6)-alkylcarbonyloxy, (C1-C6)-haloalkylcarbonyloxy, (C1-C6)-alkylcarbonyl-(C1-C4)-alkyl;
(C1-C6)-alkoxy, (C1-C6)-haloalkoxy, (C1-C6)-alkoxycarbonyl, (C1-C6)-haloalkoxycarbonyl, (C1-C6)-alkoxycarbonyl-(C1-C6)-alkyl, (C1-C6)-halo-alkoxycarbonyl-(C1-C6)-alkyl, (C1-C6)-alkoxycarbonyl-(C1-C6)-haloalkyl, (C1-C6)-haloalkoxycarbonyl-(C1-C6)-haloalkyl;
(C2-C6)-alkenyl, (C2-C6)-haloalkenyl, (C2-C6)-alkenylcarbonyl, (C2-C6)-haloalkenylcarbonyl, (C2-C6)-alkenyloxy, (C2-C6)-haloalkenyloxy, (C2-C6)-alkenyloxycarbonyl, (C2-C6)-haloalkenyloxycarbonyl;
(C2-C6)-alkynyl, (C2-C6)-haloalkynyl, (C2-C6)-alkynylcarbonyl, (C2-C6)-haloalkynylcarbonyl, (C2-C6)-alkynyloxy, (C2-C6)-haloalkynyloxy, (C2-C6)-alkynyloxycarbonyl, (C2-C6)-haloalkynyloxycarbonyl;
tri(C1-C6)-alkylsilyl-(C2-C6)-alkynyl, di(C1-C6)-alkylsilyl-(C2-C6)-alkynyl, mono(C1-C6)-alkylsilyl-(C2-C6)-alkynyl, phenylsilyl-(C2-C6)-alkynyl;
(C6-C14)-aryl, (C6-C14)-aryloxy, (C6-C14)-arylcarbonyl and (C6-C14)-aryl-oxycarbonyl, which may in each case be substituted on the aryl moiety by halogen, (C1-C6)-alkyl andor (C1-C6)-haloalkyl;
(C6-C14)-aryl-(C1-C6)-alkyl, (C6-C14)-aryl-(C1-C6)-alkoxy, (C6-C14)-aryl-(C1-C6)-alkylcarbonyl, (C6-C14)-aryl-(C1-C6)-alkylcarbonyloxy, (C6-C14)-aryl-(C1-C6)-alkoxycarbonyl, (C6-C14)-aryl-(C1-C6)-alkoxycarbonyloxy;
mono((C1-C6)-alkyl)amino, mono((C1-C6)-haloalkyl)amino, di((C1-C6)-alkyl)amino, di((C1-C6)-haloalkyl)amino, ((C1-C6)-alkyl-(C1-C6)-haloalkyl)amino, N\u2014((C1-C6)-alkanoyl)amino, N\u2014((C1-C6)-haloalkanoyl)amino, aminocarbonyl-(C1-C6)-alkyl, di(C1-C6)-alkylaminocarbonyl-(C1-C6)-alkyl;
mono((C1-C6)-alkyl)aminocarbonyl, mono((C1-C6)-haloalkyl)aminocarbonyl, di((C1-C6)-alkyl)aminocarbonyl, di((C1-C6)-haloalkyl)aminocarbonyl, ((C1-C6)-alkyl-(C1-C6)-haloalkyl)aminocarbonyl, N\u2014((C1-C6)-alkanoyl)aminocarbonyl, N\u2014((C1-C6)-haloalkanoyl)aminocarbonyl;
(C1-C6)-alkoxy-(C1-C6)-alkyl, (C1-C6)-alkoxy-(C1-C6)-alkoxy, (C1-C6)-alkoxycarbonyl-(C1-C6)-alkoxy;
(C3-C8)-cycloalkyl, which may be optionally substituted on the cycloalkyl radical by (C1-C6)-alkyl andor halogen; (C3-C8)-cycloalkoxy, (C3-C8)-cycloalkyl-(C1-C6)-alkyl, (C3-C8)-cycloalkyl-(C1-C6)-haloalkyl, (C3-C8)-cycloalkyl-(C1-C6)-alkoxy, (C3-C8)-cycloalkyl-(C1-C6)-haloalkoxy, (C3-C8)-cycloalkylcarbonyl, (C3-C8)-cycloalkoxycarbonyl, (C3-C8)-cycloalkyl-(C1-C6)-alkylcarbonyl, (C3-C8)-cycloalkyl-(C1-C6)-halo alkylcarbonyl, (C3-C8)-cycloalkyl-(C1-C6)-alkoxycarbonyl, (C3-C8)-cycloalkyl-(C1-C6)-haloalkoxycarbonyl, (C3-C8)-cycloalkylcarbonyloxy, (C3-C8)-cycloalkoxycarbonyloxy, (C3-C8)-cycloalkyl-(C1-C6)-alkylcarbonyloxy, (C3-C8)-cycloalkyl-(C1-C6)-haloalkylcarbonyloxy, (C3-C8)-cycloalkyl-(C1-C6)-alkoxycarbonyloxy, (C3-C8)-cycloalkyl-(C1-C6)-halo alkoxy-carbonyloxy;
(C3-C8)-cycloalkenyl, (C3-C8)-cycloalkenyloxy, (C3-C8)-cycloalkenyl-(C1-C6)-alkyl, (C3-C8)-cycloalkenyl-(C1-C6)-haloalkyl, (C3-C8)-cycloalkenyl-(C1-C6)-alkoxy, (C3-C8)-cycloalkenyl-(C1-C6)-haloalkoxy, (C3-C8)-cycloalkenylcarbonyl, (C3-C8)-cycloalkenyloxycarbonyl, (C3-C8)-cycloalkenyl-(C1-C6)-alkylcarbonyl, (C3-C8)-cycloalkenyl-(C1-C6)-haloalkylcarbonyl, (C3-C8)-cycloalkenyl-(C1-C6)-alkoxycarbonyl, (C3-C8)-cycloalkenyl-(C1-C6)-haloalkoxycarbonyl, (C3-C8)-cycloalkenylcarbonyloxy, (C3-C8)-cycloalkenyloxycarbonyloxy, (C3-C8)-cycloalkenyl-(C1-C6)-alkylcarbonyloxy, (C3-C8)-cycloalkenyl-(C1-C6)-haloalkylcarbonyloxy, (C3-C8)-cycloalkenyl-(C1-C6)-alkoxycarbonyloxy, (C3-C8)-cycloalkenyl-(C1-C6)-haloalkoxycarbonyloxy;
hydroxy-(C1-C6)-alkyl, hydroxy-(C1-C6)-alkoxy, cyano-(C1-C6)-alkoxy, cyano-(C1-C6)-alkyl;
(C1-C6)-alkylsulfonyl, (C1-C6)-alkylthio, (C1-C6)-alkylsulfinyl, (C1-C6)-haloalkylsulfonyl, (C1-C6)-haloalkylthio, (C1-C6)-haloalkylsulfinyl, (C1-C6)-alkylsulfonyl-(C1-C6)-alkyl, (C1-C6)-alkylthio-(C1-C6)-alkyl, (C1-C6)-alkylsulfinyl-(C1-C6)-alkyl, (C1-C6)-haloalkylsulfonyl-(C1-C6)-alkyl, (C1-C6)-haloalkylthio-(C1-C6)-alkyl, (C1-C6)-haloalkylsulfinyl-(C1-C6)-alkyl, (C1-C6)-alkylsulfonyl-(C1-C6)-haloalkyl, (C1-C6)-alkylthio-(C1-C6)-haloalkyl, (C1-C6)-alkylsulfinyl-(C1-C6)-halo alkyl, (C1-C6)-halo alkylsulfonyl-(C1-C6)-halo alkyl, (C1-C6)-haloalkylthio-(C1-C6)-halo alkyl, (C1-C6)-haloalkylsulfinyl-(C1-C6)-haloalkyl, (C1-C6)-alkylsulfonyloxy, (C1-C6)-haloalkylsulfonyloxy, (C1-C6)-alkylthiocarbonyl, (C1-C6)-haloalkylthiocarbonyl, (C1-C6)-alkylthiocarbonyloxy, (C1-C6)-haloalkylthiocarbonyloxy, (C1-C6)-alkylthio-(C1-C6)-alkyl, (C1-C6)-alkylthio-(C1-C6)-alkoxy, (C1-C6)-alkylthio-(C1-C6)-alkylcarbonyl, (C1-C6)-alkylthio-(C1-C6)-alkylcarbonyloxy, (C4-C14)-arylsulfonyl, (C6-C14)-arylthio, (C6-C14)-arylsulfinyl, (C3-C8)-cycloalkylthio, (C3-C8)-alkenylthio, (C3-C8)-cycloalkenylthio, (C3-C6)-alkynylthio;
R3 is selected from the group consisting of hydrogen, (C1-C6)-alkyl and (C1-C6)-haloalkyl;
R4 is selected from the group consisting of (C1-C6)-alkyl, (C1-C6)-haloalkyl, hydroxy, (C1-C6)-alkoxy and (C1-C6)-haloalkoxy; or, together with the carbon atom to which it is bonded with R5, forms a three- to seven-membered ring;
R5 is selected from the group consisting of hydrogen, (C1-C6)-alkyl, (C1-C6)-haloalkyl, hydroxy, (C1-C6)-alkoxy and (C1-C6)-haloalkoxy; or, together with the carbon atom to which it is bonded with R4, forms a three- to seven-membered ring;
R6 and
R7 in each case independently of one another are selected from the group consisting of hydrogen, (C1-C6)-alkyl, (C1-C6)-haloalkyl, (C1-C6)-alkoxy, (C1-C6)-haloalkoxy, (C6-C14)-aryl, (C6-C14)-aryloxy, (C6-C14)-arylcarbonyl and (C6-C14)-aryloxycarbonyl; or the radicals R6 and R7 together form a (C2-C7)-alkylene group, which may comprise one or more oxygen andor sulfur atoms, where the (C2-C7)-alkylene group may be mono- or polysubstituted by halogen and the respective halogen substituents may be identical or different,
R8 is selected from the group consisting of hydrogen, halogen, cyano, nitro, (C1-C6)-alkyl, (C1-C6)-alkylcarbonyl, (C1-C6)-alkyloxycarbonyl, (C1-C6)-alkyl-aminocarbonyl, (C1-C6)-dialkylaminocarbonyl, (C1-C6)-haloalkyl, (C1-C6)-alkoxy, (C1-C6)-haloalkoxy, (C2-C6)-alkynyl, (C2-C6)-haloalkynyl, (C2-C6)-alkynylcarbonyl, (C2-C6)-haloalkynylcarbonyl, (C2-C6)-alkynyloxy, (C2-C6)-haloalkynyloxy, (C2-C6)-alkynyloxycarbonyl and (C2-C6)-haloalkynyloxycarbonyl;
R9 is selected from the group consisting of hydrogen, halogen, cyano, nitro, (C1-C6)-alkyl, (C1-C6)-alkylcarbonyl, (C1-C6)-alkyloxycarbonyl, (C1-C6)-alkyl-aminocarbonyl, (C1-C6)-dialkylaminocarbonyl, (C1-C6)-haloalkyl, (C1-C6)-alkoxy, (C1-C6)-haloalkoxy, (C2-C6)-alkynyl, (C2-C6)-haloalkynyl, (C2-C6)-alkynylcarbonyl, (C2-C6)-haloalkynylcarbonyl, (C2-C6)-alkynyloxy, (C2-C6)-haloalkynyloxy, (C2-C6)-alkynyloxycarbonyl and (C2-C6)-haloalkynyloxycarbonyl;
R10 is selected from the group consisting of, halogen, cyano, nitro, (C1-C6)-alkyl, (C1-C6)-alkylcarbonyl, (C1-C6)-alkyloxycarbonyl, (C1-C6)-alkylaminocarbonyl, (C1-C6)-dialkylaminocarbonyl, (C1-C6)-haloalkyl, (C1-C6)-alkoxy, (C1-C6)-haloalkoxy, (C2-C6)-alkynyl, (C2-C6)-haloalkynyl, (C2-C6)-alkynylcarbonyl, (C2-C6)-haloalkynylcarbonyl, (C2-C6)-alkynyloxy, (C2-C6)-haloalkynyloxy, (C2-C6)-alkynyloxycarbonyl and (C2-C6)-haloalkynyloxycarbonyl;
R11 is selected from the group consisting of hydrogen, halogen, cyano, nitro, (C1-C6)-alkyl, (C1-C6)-alkylcarbonyl, (C1-C6)-alkyloxycarbonyl, (C1-C6)-alkyl-aminocarbonyl, (C1-C6)-dialkylaminocarbonyl, (C1-C6)-haloalkyl, (C1-C6)-alkoxy, (C1-C6)-haloalkoxy, (C2-C6)-alkynyl, (C2-C6)-haloalkynyl, (C2-C6)-alkynylcarbonyl, (C2-C6)-haloalkynylcarbonyl, (C2-C6)-alkynyloxy, (C2-C6)-haloalkynyloxy, (C2-C6)-alkynyloxycarbonyl and (C2-C6)-haloalkynyloxycarbonyl; and
X is a single bond,
R12 and
R13 in each case independently of one another are selected from the group consisting of hydrogen, (C1-C6)-alkyl and (C1-C6)-haloalkyl,
R14 is selected from the group consisting of hydrogen, (C1-C6)-alkyl, and (C1-C6)-haloalkyl,
wherein the stereochemical configuration on the carbon atom indicated by (*) is (R), and
provided R2 does not denote chloro if R1 is NH2.
2. A compound of the formula (I) as claimed in claim 1, wherein the radical R1 is selected from the group consisting of hydrogen, halogen, cyano, C(\u2550O)NH2, NO2, (C1-C6)-alkyl, (C1-C6)-haloalkyl, (C3-C6)-cyclopropyl, (C1-C6)-alkoxy, (C1-C6)-alkylthio, (C2-C6)-alkynyl, mono(C1-C6)-alkylamino, di(C1-C6)-alkylamino and tri(C1-C6)-alkylsilyl-(C2-C6)-alkynyl.
3. A compound of the formula (I) as claimed in claim 1, wherein the radical R2 is selected from the group consisting of hydrogen, halogen, (C1-C6)-alkylphenyl, (C6-C14)-aryl, which may be substituted on the aryl radical by (C1-C6)-alkyl, (C1-C6)-haloalkyl andor halogen; (C1-C6)-alkyl, (C1-C6)-haloalkyl, (C1-C6)-alkoxy, (C1-C6)-alkoxy-(C1-C6)-alkyl, (C3-C6)-cycloalkyl, which may be substituted on the cycloalkyl radical by (C1-C6)-alkyl, (C6-C14)-haloaryl andor halogen; 1-(C1-C6)-alkylcyclopropyl, 1-(C1-C6)-alkyl-C6-aryl)cyclopropyl, 1-(monohalophenyl)cyclopropyl, 1-(dihalophenyl)cyclopropyl, mono(C1-C6)-alkylamino, di(C1-C6)-alkylamino, (C1-C6)-thioalkyl, (C1-C6)-alkylthio, (C1-C6)-alkoxy and amino.
4. A compound of the formula (I) as claimed in claim 1, wherein the radical R3 is hydrogen or (C1-C6)-alkyl.
5. A compound of the formula (I) as claimed in claim 1, wherein the radical R4 is selected from the group consisting of (C1-C6)-alkyl, hydroxy, and (C1-C6)-alkoxy or, together with the carbon atom to which it is bonded with R5, forms a three- to seven-membered ring.
6. A compound of the formula (I) as claimed in claim 1, wherein the radicals R4 and R5 together with the carbon atom to which they are bonded form a three- to seven-membered ring.
7. A compound of the formula (I) as claimed in claim 1, wherein the radicals R6 and R7, independently of one another, are selected from the group consisting of hydrogen, (C1-C6)-alkyl and (C6-C14)-aryl.
8. A compound of the formula (I) as claimed in claim 1, wherein the radical R8 is selected from the group consisting of hydrogen, (C1-C6)-alkyl and halogen.
9. A compound of the formula (I) as claimed in claim 1, wherein the radical R9 is selected from the group consisting of hydrogen and (C1-C6)-alkyl.
10. A compound of the formula (I) as claimed in claim 1, wherein the radical R10 is selected from the group consisting of (C1-C6)-alkyl, (C1-C6)-dialkylaminocarbonyl, halogen, (C2-C6)-alkynyl, cyano, and (C1-C6 alkyloxycarbonyl.
11. A compound of the formula (I) as claimed in claim 1, wherein R11 is selected from the group consisting of hydrogen and (C1-C6)-alkyl.
12. A process for the preparation of compounds of the formula (I) of claim 1
which comprises
(1) reacting a compound of the formula (II)
in which Z1 is an exchangeable radical or a leaving group,
with an amine of the formula (III) or an acid addition salt thereof
13. A herbicidal or plant growth regulating composition, which comprises one or more compounds of the formula (I) or salts thereof as claimed in claim 1.
14. A method for controlling harmful plants or for regulating the growth of plants, which comprises applying an effective amount of one or more compounds of the formula (I) or salts thereof as claimed in claim 1 to plants, plant parts, plant seeds or to an area under cultivation.
15. A compound of the formula (I) as claimed in claim 1, wherein the radical R5 is selected from the group consisting of hydrogen, (C1-C6)-alkyl, hydroxy, cyclopropyl and (C1-C6)-alkoxy.
16. A method according to claim 14, in which the applying of an effective amount of one or more compounds of the formula (I) or salts thereof, as claimed in claim 1, occurs to an area under cultivation before the emergence of crop plants.
17. A method according to claim 14, in which the applying of an effective amount of one or more compounds of the formula (I) or salts thereof, as claimed in claim 1, occurs to an area under cultivation after the emergence of crop plants.
18. A compound according to claim 1, selected from compounds
19. A compound according to claim 1, in which
R1 and R2, independently of one another, are selected from the group consisting of hydrogen, halogen, hydroxy, cyano, nitro, amino, C(O)OH, C(O)NH2, (C1-C6)-alkyl, (C1-C6)-haloalkyl, and (C1-C6)-alkylcarbonyl;
R3 is hydrogen;
R4 is a (C1-C6)-alkyl or, together with the carbon atom to which it is bonded with R5, forms a three- to seven-membered ring;
R5 is a hydrogen or, together with the carbon atom to which it is bonded with R4, forms a three- to seven-membered ring;
R6 is a hydrogen,
R7 is a hydrogen,
R8 is selected from the group consisting of hydrogen, halogen, (C1-C6)-alkyl, and (C1-C6)-alkylcarbonyl;
R9 is selected from the group consisting of hydrogen, halogen, (C1-C6)-alkyl, and (C1-C6)-alkylcarbonyl;
R10 is selected from the group consisting of, halogen, cyano, nitro, (C1-C6)-alkyl, (C1-C6)-alkylcarbonyl, (C1-C6)-alkyloxycarbonyl, (C1-C6)-alkylamino carbonyl, (C1-C6)-dialkylaminocarbonyl, (C1-C6)-haloalkyl, (C1-C6)-alkoxy, (C1-C6)-haloalkoxy, (C2-C6)-alkynyl, (C2-C6)-haloalkynyl, (C2-C6)-alkynylcarbonyl, (C2-C6)-haloalkynylcarbonyl, (C2-C6)-alkynyloxy, (C2-C6)-haloalkynyloxy, (C2-C6)-alkynyloxycarbonyl and (C2-C6)-haloalkynyloxycarbonyl;
R11 is a hydrogen;
X is a single bond,
R12 and
R13 in each case independently of one another are selected from the group consisting of hydrogen, (C1-C6)-alkyl and (C1-C6)-haloalkyl,
R14 is selected from the group consisting of hydrogen, (C1-C6)-alkyl, and (C1-C6)-haloalkyl,
wherein the stereochemical configuration on the carbon atom indicated by (*) is (R), and provided R2 does not denote chloro if R1 is NH2.
20. A compound of the formula (I) as claimed in claim 1, wherein the radical R4 together with the carbon atom to which it is bonded with R5, forms a three membered ring.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. A computer implemented method regarding a consumer’s credit, comprising:
(a) obtaining a credit report regarding a consumer from one or more credit bureaus; wherein a computerized system provider executed by a computing system that maintains a database regarding consumer credit information obtains the credit report;
(b) presenting the credit report to the consumer with suggestions to improve consumer credit; wherein the credit report is presented within a user interface displayed on display device and the computerized system provider executed by the computing system provides the suggestions; and wherein the user interface provides the consumer with a first option to initiate an offer of compromise, a second option for disputing an entry in the credit report directly with a creditor and a third option for declaring identity theft and electronically notifying one or more entities of consumer’s identity theft;
(c) based on a credit report entry, initiating an offer of compromise from the consumer to a creditor to settle a debt; wherein the consumer initiates the offer of compromise electronically by selecting the first option from the user interface;
(d) submitting the offer of compromise to the creditor; wherein the computerized system provider executed by the computing system electronically submits the offer of compromise directly to the creditor;
(e) upon acceptance of the electronically submitted offer of compromise by the creditor, transferring a payment directly to the creditor to settle the debt; wherein the computerized system provider executed by the computing system transfers the payment to the creditor;
(f) notifying one or more credit bureaus regarding the debt settlement in step (e);
wherein the computerized system provider executed by the computing system notifies the one or more credit bureaus;
(g) selecting the second option to dispute an entry in the credit report directly with the creditor; wherein before the entry is disputed with the creditor, the computerized system provider executed by the computing system reviews historical data regarding the consumer to verify if the consumer has disputed entries with the creditor or other creditors; and wherein the entry is not disputed and the consumer is notified if historical disputes by the consumer were held to be without merit; and the entry is disputed with the creditor when historical disputes by the consumer were valid;
(h) selecting the third option from the user interface to declare identity theft;
wherein the computerized system provider executed by the computing system notifies one or more credit bureaus to block consumer credit accounts for a certain duration after identify theft is declared; and wherein the computerized system provider executed by the computing system notifies one or more entities of the identity theft.
2. The method of claim 1, wherein the notified entity is a government entity.
3. The method of claim 1, wherein the notified entity is a non-government entity.
4. The method of claim 1, wherein the offer of compromise includes an interest rate reduction.
5. A computer readable medium containing executable program instructions for a computer implemented method regarding a consumer’s credit, comprising:
(a) instructions for obtaining a credit report regarding a consumer from one or more credit bureaus; wherein a computerized system provider executed by a computing system that maintains a database regarding consumer credit information obtains the credit report;
(b) instructions for presenting the credit report to the consumer with suggestions to improve consumer credit; wherein the credit report is presented within a user interface displayed on display device and the computerized system provider executed by the computing system provides the suggestions; and wherein the user interface provides the consumer with a first option to initiate an offer of compromise, a second option for disputing an entry in the credit report directly with a creditor and a third option for declaring identity theft and electronically notifying one or more entities of consumer’s identity theft;
(c) instructions for initiating an offer of compromise from the consumer to a creditor to settle a debt, based on a credit report entry; wherein the consumer initiates the offer of compromise electronically by selecting the first option from the user interface;
(d) instructions for submitting the offer of compromise to the creditor; wherein the computerized system provider executed by the computing system electronically submits the offer of compromise directly to the creditor;
(e) instructions for transferring a payment directly to the creditor to settle the debt, upon acceptance of the electronically submitted offer of compromise by the creditor; wherein the computerized system provider executed by the computing system transfers the payment to the creditor;
(f) instructions for notifying one or more credit bureaus regarding the debt settlement in step (e); wherein the computerized system provider executed by the computing system notifies the one or more credit bureaus;
(g) instructions for selecting the second option to dispute an entry in the credit report directly with the creditor; wherein before the entry is disputed with the creditor, the computerized system provider executed by the computing system reviews historical data regarding the consumer to verify if the consumer has disputed entries with the creditor or other creditors; and wherein the entry is not disputed and the consumer is notified if historical disputes by the consumer were held to be without merit; and the entry is disputed with the creditor when historical disputes by the consumer were valid; and
(h) instructions for selecting the third option from the user interface to declare identity theft; wherein the computerized system provider executed by the computing system notifies one or more credit bureaus to block consumer credit accounts for a certain duration after identify theft is declared; and wherein the computerized system provider executed by the computing system notifies one or more entities of the identity theft.
6. The storage medium of claim 5, wherein the notified entity is a government entity.
7. The storage medium of claim 5, wherein the notified entity is a non-government entity.
8. The storage medium of claim 5, wherein the offer of compromise includes an interest rate reduction.
9. A computer program product, comprising:
a non-transitory computer usable storage medium having computer readable code embodied therein for a computer implemented method regarding a consumer’s credit; said computer readable code includes:
(a) code for obtaining a credit report regarding a consumer from one or more credit bureaus; wherein a computerized system provider executed by a computing system that maintains a database regarding consumer credit information obtains the credit report;
(b) code for presenting the credit report to the consumer with suggestions to improve consumer credit; wherein the credit report is presented within a user interface displayed on display device and the computerized system provider executed by the computing system provides the suggestions; and wherein the user interface provides the consumer with a first option to initiate an offer of compromise, a second option for disputing an entry in the credit report directly with a creditor and a third option for declaring identity theft and electronically notifying one or more entities of consumer’s identity theft;
(c) code for initiating an offer of compromise from the consumer to a creditor to settle a debt, based on a credit report entry; wherein the consumer initiates the offer of compromise electronically by selecting the first option from the user interface;
(d) code for submitting the offer of compromise to the creditor; wherein the computerized system provider executed by the computing system electronically submits the offer of compromise directly to the creditor;
(e) code for transferring a payment directly to the creditor to settle the debt, upon acceptance of the electronically submitted offer of compromise by the creditor; wherein the computerized system provider executed by the computing system transfers the payment to the creditor;
(f) code for notifying one or more credit bureaus regarding the debt settlement in step (e); wherein the computerized system provider executed by the computing system notifies the one or more credit bureaus;
(g) code for selecting the second option to dispute an entry in the credit report directly with the creditor; wherein before the entry is disputed with the creditor, the computerized system provider executed by the computing system reviews historical data regarding the consumer to verify if the consumer has disputed entries with the creditor or other creditors; and wherein the entry is not disputed and the consumer is notified if historical disputes by the consumer were held to be without merit; and the entry is disputed with the creditor when historical disputes by the consumer were valid; and
(h) code for selecting the third option from the user interface to declare identity theft; wherein the computerized system provider executed by the computing system notifies one or more credit bureaus to block consumer credit accounts for a certain duration after identify theft is declared; and wherein the computerized system provider executed by the computing system notifies one or more entities of the identity theft.
10. The computer program product of claim 9, wherein the notified entity is a government entity.
11. The computer program product of claim 9, wherein the notified entity is a non-government entity.
12. The computer program product of claim 9, wherein the offer of compromise includes an interest rate reduction.