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Dying · US7747520
Method and system for monitoring for and reporting of lien distress events
The next verified death on the clock. Filed at the top of the housing bubble: a system that watches loan portfolios for the first legal tremors of borrower distress — liens, delinquencies, foreclosure filings — and alerts the lender before the collapse shows up on its books.
Assignee: First American CoreLogic, Inc. · Filed 2006-08-04 · Granted 2010-06-29 · Adjusted expiry 2026-08-04
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Dates on the curated countdown pages are USPTO-adjusted expiration dates (verified against USPTO/Google Patents legal-status data as of July 2026, including patent-term adjustment); they still assume maintenance fees keep being paid, and are not a legal determination. Dates in the searchable database are raw patent-term math (20 years from filing, or the older 17-from-grant rule) that ignores adjustments, extensions, and terminal disclaimers. This is not legal advice.
US7747520 was filed August 4, 2006 — the last full summer of the housing boom — by First American CoreLogic, the property-data arm of one of the country's biggest title insurers. It describes a monitoring system that standardizes a lender's loan portfolio, sweeps public records, tax rolls, and credit data for 'lien distress events' — new liens, delinquencies, defaults, foreclosure proceedings — and reports them back before the distress matures into a loss.
It granted June 29, 2010, in the wreckage of exactly the kind of portfolio-wide distress it was built to catch early. By then the question wasn't whether borrowers were in trouble; it was how many quarters of trouble were still unbooked.
Its USPTO-adjusted expiration is August 4, 2026 — twenty years from filing, to the day. Of the thirty patents on our launch countdown list, this is the one whose naive estimate survived verification exactly as written: no term adjustment, no terminal disclaimer, no early lapse. Its sibling filing from the same day, US7809635 (secondary-lien monitoring, now CoreLogic Solutions), carries a term adjustment and holds on until November 15, 2026.
When the clock below hits zero, the claimed mechanism — automated, multi-source lien-distress surveillance over a loan portfolio — enters the public domain.
Patent record: US7747520
Sources & further reading
Frequently asked questions
What happens on the countdown date?
That date is the patent's USPTO-adjusted expiration — verified individually against USPTO legal-status data (patent-term adjustment included) in July 2026. When it passes, the patent's term has ended and the claimed invention enters the public domain. It's still an estimate of status, not a legal ruling.
Is the countdown date guaranteed?
It's much stronger than raw patent-term math — each date on the countdown list was checked against USPTO-adjusted expiration data — but it still assumes maintenance fees keep being paid (a lapse would only make the death earlier), and it isn't a legal determination. Confirm against USPTO records before relying on it.
Can I build the invention once it expires?
Once the term ends, the specific claimed invention generally becomes free to make, use, or sell without a license. Other patents or rights may still cover a particular product; this isn't legal advice.