Product Requirements Document for PFM Credit Scoring Feature

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        <h1 class="text-4xl font-bold mb-8 text-center text-blue-600">Product Requirements Document: PFM Credit Scoring Feature</h1>
        
        <section class="mb-12">
            <h2 class="text-2xl font-semibold mb-4 text-blue-800">1. Introduction</h2>
            <div class="bg-white shadow-md rounded-lg p-6">
                <h3 class="text-xl font-semibold mb-2">1.1 Purpose</h3>
                <p class="mb-4">This document outlines the requirements for implementing a credit scoring feature within our existing Personal Finance Management (PFM) system. This new feature aims to provide users with insights into their creditworthiness and help them improve their financial health.</p>
                
                <h3 class="text-xl font-semibold mb-2">1.2 Scope</h3>
                <p class="mb-4">The credit scoring feature will be integrated into the current PFM system, offering users a comprehensive view of their financial status, including their credit score and factors affecting it.</p>
                
                <h3 class="text-xl font-semibold mb-2">1.3 Definitions</h3>
                <ul class="list-disc list-inside">
                    <li>PFM: Personal Finance Management</li>
                    <li>Credit Score: A numerical expression based on a statistical analysis of a person's credit files, representing their creditworthiness.</li>
                </ul>
            </div>
        </section>

        <section class="mb-12">
            <h2 class="text-2xl font-semibold mb-4 text-blue-800">2. Product Overview</h2>
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                <h3 class="text-xl font-semibold mb-2">2.1 Product Description</h3>
                <p class="mb-4">The credit scoring feature will allow users to view their credit score, understand the factors influencing it, and receive personalized recommendations for improvement.</p>
                
                <h3 class="text-xl font-semibold mb-2">2.2 Target Audience</h3>
                <ul class="list-disc list-inside">
                    <li>Existing PFM users</li>
                    <li>Individuals looking to improve their credit score</li>
                    <li>Users seeking a comprehensive view of their financial health</li>
                </ul>
            </div>
        </section>

        <section class="mb-12">
            <h2 class="text-2xl font-semibold mb-4 text-blue-800">3. Feature Requirements</h2>
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                <h3 class="text-xl font-semibold mb-2">3.1 Credit Score Display</h3>
                <ul class="list-disc list-inside mb-4">
                    <li>Show the user's current credit score</li>
                    <li>Provide a historical graph of the user's credit score over time</li>
                    <li>Display the credit score range and where the user's score falls within this range</li>
                </ul>

                <h3 class="text-xl font-semibold mb-2">3.2 Credit Factors Analysis</h3>
                <ul class="list-disc list-inside mb-4">
                    <li>Break down the factors affecting the credit score</li>
                    <li>Show the impact of each factor on the overall score</li>
                    <li>Highlight areas for improvement</li>
                </ul>

                <h3 class="text-xl font-semibold mb-2">3.3 Credit Score Simulator</h3>
                <p class="mb-4">Allow users to simulate how different actions might affect their credit score</p>

                <h3 class="text-xl font-semibold mb-2">3.4 Personalized Recommendations</h3>
                <ul class="list-disc list-inside mb-4">
                    <li>Provide tailored advice on how to improve the credit score</li>
                    <li>Offer actionable steps the user can take to enhance their creditworthiness</li>
                </ul>

                <h3 class="text-xl font-semibold mb-2">3.5 Credit Report Integration</h3>
                <ul class="list-disc list-inside mb-4">
                    <li>Provide a summary of the user's credit report</li>
                    <li>Highlight any negative items or discrepancies in the credit report</li>
                </ul>

                <h3 class="text-xl font-semibold mb-2">3.6 Alerts and Notifications</h3>
                <ul class="list-disc list-inside">
                    <li>Set up customizable alerts for changes in credit score</li>
                    <li>Notify users of significant events that may impact their credit score</li>
                </ul>
            </div>
        </section>

        <section class="mb-12">
            <h2 class="text-2xl font-semibold mb-4 text-blue-800">4. Technical Requirements</h2>
            <div class="bg-white shadow-md rounded-lg p-6">
                <h3 class="text-xl font-semibold mb-2">4.1 Data Integration</h3>
                <ul class="list-disc list-inside mb-4">
                    <li>Integrate with major credit bureaus to obtain real-time credit score data</li>
                    <li>Ensure secure handling and storage of sensitive financial information</li>
                </ul>

                <h3 class="text-xl font-semibold mb-2">4.2 User Interface</h3>
                <ul class="list-disc list-inside mb-4">
                    <li>Design an intuitive, user-friendly interface for displaying credit information</li>
                    <li>Ensure mobile responsiveness for access on various devices</li>
                </ul>

                <h3 class="text-xl font-semibold mb-2">4.3 Data Security and Compliance</h3>
                <ul class="list-disc list-inside mb-4">
                    <li>Implement robust security measures to protect user data</li>
                    <li>Ensure compliance with relevant financial regulations (e.g., FCRA, GDPR)</li>
                </ul>

                <h3 class="text-xl font-semibold mb-2">4.4 Performance</h3>
                <ul class="list-disc list-inside">
                    <li>Ensure quick loading times for credit score information</li>
                    <li>Optimize database queries for efficient data retrieval</li>
                </ul>
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        </section>

        <section class="mb-12">
            <h2 class="text-2xl font-semibold mb-4 text-blue-800">5. User Stories</h2>
            <div class="bg-white shadow-md rounded-lg p-6">
                <ol class="list-decimal list-inside">
                    <li class="mb-2">As a user, I want to see my current credit score so that I can understand my creditworthiness at a glance.</li>
                    <li class="mb-2">As a user, I want to understand the factors affecting my credit score so that I can take steps to improve it.</li>
                    <li class="mb-2">As a user, I want to receive personalized recommendations for improving my credit score so that I can enhance my financial health.</li>
                    <li class="mb-2">As a user, I want to simulate how different actions might affect my credit score so that I can make informed financial decisions.</li>
                    <li>As a user, I want to be alerted of significant changes to my credit score so that I can take timely action if needed.</li>
                </ol>
            </div>
        </section>

        <section class="mb-12">
            <h2 class="text-2xl font-semibold mb-4 text-blue-800">6. Acceptance Criteria</h2>
            <div class="bg-white shadow-md rounded-lg p-6">
                <ol class="list-decimal list-inside">
                    <li class="mb-2">The credit score is accurately displayed and updated at least once a month.</li>
                    <li class="mb-2">The credit factors analysis breaks down at least 5 major factors influencing the credit score.</li>
                    <li class="mb-2">The credit score simulator can process at least 10 different scenarios.</li>
                    <li class="mb-2">Personalized recommendations are generated based on the user's specific credit profile.</li>
                    <li>The system sends notifications within 24 hours of detecting a significant change in the credit score.</li>
                </ol>
            </div>
        </section>

        <section class="mb-12">
            <h2 class="text-2xl font-semibold mb-4 text-blue-800">7. Future Considerations</h2>
            <div class="bg-white shadow-md rounded-lg p-6">
                <ul class="list-disc list-inside">
                    <li>Integration with credit repair services</li>
                    <li>Expansion to include business credit scores for small business owners</li>
                    <li>Implementation of machine learning algorithms for more accurate credit score predictions</li>
                </ul>
            </div>
        </section>

        <section class="mb-12">
            <h2 class="text-2xl font-semibold mb-4 text-blue-800">8. Feature Flow Diagram</h2>
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                <div class="mermaid">
                    graph TD
                    A[User logs in] --> B[View Dashboard]
                    B --> C[Check Credit Score]
                    C --> D[View Credit Factors]
                    C --> E[Use Score Simulator]
                    C --> F[View Recommendations]
                    C --> G[Check Credit Report]
                    B --> H[Set Up Alerts]
                </div>
            </div>
        </section>
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