System and method for managing consumer information

Abstract

Method and system for management of consumer credit report data is provided. The method includes, offering a service to a user; requesting an action for the service; providing a service action guide; and initiating an action of credit correction and/or debt relief and/or identity protection. The system includes, a central processing unit using a system provider for offering a service to a user; a user interface for requesting an action for the service and providing a service action guide; and a processing module to process requesting an action for the service between the user interface and a communication module.

1 - 44 . (canceled) 
     
     
         45 . A computer implemented method regarding a user's credit, comprising:
 (a) obtaining a copy of a user's credit report from a credit bureau such that a request for the copy is accounted as a single request in the user's credit report; wherein a system provider obtains the copy of the credit report and the system provider operationally interfaces with (i) the credit bureau, (ii) the user and (iii) a plurality of creditor grantors that seek to provide credit to the user;   (b) displaying the copy of the credit report to one of the plurality of credit grantors authorized by the user to view credit information for a certain duration, after which permission to view the credit information is revoked;   (c) recording portions of the credit report that are viewed by the authorized credit grantor;   (d) notifying the user when the authorized credit grantor has reviewed the credit information;   (e) executing steps (b) to (d) for another authorized credit grantor from among the plurality of credit grantors;   wherein the system provider displays the credit report to the authorized plurality of credit grantors, using only the single request for the credit report.   
     
     
         46 . The method of  claim 45 , wherein the system provider is executed by a computing system that is accessible to the user, the plurality of credit grantors and the credit bureau. 
     
     
         47 . The method of  claim 45 , wherein the credit report is a consolidated credit report obtained from more than one credit bureau. 
     
     
         48 . The method of  claim 45 , wherein credit information in step (b) of  claim 45  is viewed via a secured website. 
     
     
         49 . The method of  claim 45 , wherein the authorized credit grantor in step (b) of  claim 45 , is notified of credit information privileges with an automatic expiration of the viewing privileges after the certain duration. 
     
     
         50 . A computer implemented method regarding a user's credit, comprising:
 (a) segregating a plurality of data items from credit data for the user into a plurality of categories; wherein each category includes an amount the user is obligated to pay;   (b) displaying the plurality of categories to the user, via a single user interface on a display device; wherein a loan amount, a duration of a loan, a present interest rate, a future interest rate and a monthly saving amount is displayed and associated with each of the plurality of categories;   (c) permitting the user to change a current user credit score to a future credit score and then estimating a future interest rate for each of the plurality of categories based on the future credit score;   (d) displaying the future interest rate associated with each of the plurality of categories based on the future credit score; and   (e) displaying the saving amount associated with each of the plurality of categories based on the future credit score.   
     
     
         51 . The method of  claim 50 , wherein the plurality of categories includes one or more of mortgage loans, automobile loans, credit card loans, personal loans, rent, student loans and medical debt. 
     
     
         52 . The method of  claim 50 , wherein a system provider that operationally interfaces with (i) the credit bureau, (ii) the user and (iii) a plurality of creditor grantors that seek to provide credit to the user obtains the credit data from one or more credit bureaus.