Systems and methods of on-line credit information monitoring and control

Abstract

Systems and methods of on-line credit information monitoring and control. In one embodiment, a server computer accesses and retrieves credit information relating to a consumer. The server computer may also provide a user interface with active links associated with credit items. The links may allow the consumer to communicate directly with a credit service. The server computer may offer additional credit-related services such as credit report retrieval, credit monitoring, notifications, identity theft management, interest rate calculations, historical archives, and account management.

1 .- 20 . (canceled) 
     
     
         21 . A computing system comprising:
 one or more hardware processors configured to execute a plurality of software modules, the software modules including at least:
 a credit retrieval module configured to access credit information relating to a consumer, the credit information comprising a plurality of tradelines, each tradeline being associated with a specific credit grantor; and 
 a user interface module configured to generate data configured to cause display of a user interface, said user interface comprising:
 a first active link, associated with a first tradeline of the plurality of tradelines, wherein said first active link is configured to enable the consumer to communicate with a first credit grantor associated with the first tradeline by selecting the first active link associated with the first tradeline; and 
 a second active link associated with a second tradeline of the plurality of tradelines, wherein said second active link is configured to enable the consumer to communicate with a second credit grantor associated with the second tradeline by selecting the second active link associated with the second tradeline. 
 
   
     
     
         22 . The computing system of  claim 21 , wherein the credit retrieval module is further configured to compute a credit score of the consumer based upon the credit information. 
     
     
         23 . The computing system of  claim 22 , wherein the user interface further includes indications of the credit information and the credit score. 
     
     
         24 . The computing system of  claim 22 , further comprising a storage module configured to store the credit information and the credit score in a computer-readable storage medium. 
     
     
         25 . The computing system of  claim 21 , wherein the credit retrieval module is further configured to access updated credit information on a periodic basis, and further configured to determine changes in the updated credit information. 
     
     
         26 . The computing system of  claim 25 , wherein the credit retrieval module is further configured to archive the updated credit information. 
     
     
         27 . The computing system of  claim 25 , wherein the credit retrieval module is further configured to create an alert in response to a determination of changes in the updated credit information. 
     
     
         28 . The computing system of  claim 27 , wherein the credit retrieval module is further configured to transmit the alert to the consumer. 
     
     
         29 . The computing system of  claim 21 :
 wherein the user interface module is further configured to generate second data configured to cause display of a second user interface enabling the consumer to report an identity theft;   wherein the user interface module is further configured to generate third data configured to cause display of forms enabling the consumer to report the identity theft to selected organizations; and   wherein the user interface module is further configured to receive user form inputs from the consumer, the user form inputs being based on the displayed forms, and to provide the user form inputs to the selected organizations.   
     
     
         30 . The computing system of  claim 21 , further comprising an interest rate calculation module configured to compute expected interest rates based on the credit information relating to the consumer, the interest rate calculation module further configured to transmit the expected interest rates to the consumer. 
     
     
         31 . A method for credit information monitoring, the method comprising:
 accessing, by a computing system comprising one or more computer processors, credit information relating to a consumer, the credit information comprising a plurality of credit items, each credit item being associated with a specific credit service; and   generating, by the computing system, user interface data configured to cause display of a user interface, said user interface comprising a plurality of active links in one or more web pages and/or electronic communications, each one of said active links being associated with a respective one of the plurality of credit items, wherein the active links are configured to enable the consumer to initiate communications via a computer network to a computer system, configured to communicate directly with creditors corresponding to selected active links.   
     
     
         32 . The method of  claim 31 , wherein the plurality of active links comprises one or more links to report inaccuracies of respective credit items. 
     
     
         33 . The method of  claim 31 , wherein each of the plurality of active links is associated with one credit item. 
     
     
         34 . The method of  claim 31 , wherein one or more of the credit services comprise credit grantors. 
     
     
         35 . The method of  claim 31 , wherein one or more of the credit services comprise credit bureaus. 
     
     
         36 . A non-transitory computer-readable storage medium having instructions stored thereon, the instructions configured for execution by a computing system having one or more computer processors in order to cause the computing system to:
 access credit information relating to a consumer, the credit information comprising a plurality of tradelines, each tradeline being associated with a specific credit service; and   generate user interface data configured to cause display of a user interface, said user interface comprising a plurality of active links in one or more web pages and/or electronic communications, each of the active links being associated with a respective tradeline of the plurality of tradelines, wherein each of the active links is configured to enable the consumer to initiate communication with a credit issuer associated with the respective tradelines by selecting the active link associated with the respective tradeline.   
     
     
         37 . The tangible computer-readable storage medium of  claim 36 , wherein each of the plurality of active links is associated with one tradeline. 
     
     
         38 . The tangible computer-readable storage medium of  claim 36 , wherein a tradeline comprises a credit account associated with a credit grantor. 
     
     
         39 . The tangible computer-readable storage medium of  claim 36 , wherein one or more of the credit services comprise credit card monitoring. 
     
     
         40 . The tangible computer-readable storage medium of  claim 36 , wherein the user interface data further comprises one or more credit account bills associated with respective tradelines.