Patent ID: 8060424

Claim:
A method for on-line monitoring, reporting and summarizing unused available credit, the method comprising: providing an on-line computer system that allows an end user to access the system by a computer; the system requesting and retrieving credit information of the end user from a credit bureau; the system storing the credit information that includes information relating to the total amount of unused available credit for a debt category in a storage database; the system presenting the total amount of unused available credit for the debt category to the end user in a graphical or tabular format; and the system reconfiguring the credit information for presenting the total amount of unused available credit, wherein reconfiguring the credit information includes: the system grouping particular credit information for each credit line into one or more respective debt categories; the system determining total amounts of debts owed for respective debt categories; the system determining total credit limits allowed for respective debt categories; and the system determining total amounts of unused available credit for respective debt categories based on the total amounts of debts owed and the total credit limits allowed for respective debt categories.