Patent ID: 8290856

Claim:
A method of preserving an individual's access to credit by means of a service organization comprising: obtaining authorization from the individual to contact and obtain dynamic credit information from a credit reporting bureau; using one or more computer processing units, on a periodic basis accessing the dynamic credit information of the individual from the credit reporting bureau and deriving debt data from the credit information, comprising: the one or more computer processing units contacting the credit reporting bureau and obtaining dynamic credit information, and the one or more computer processing units deriving debt data for a credit card debt category and for an other debt category from the dynamic credit information, the debt data to be used in determining an amount necessary to provide coverage for aggregated insurance benefits; using one or more computer processing units, on a periodic basis determining the amount necessary to provide debt payment coverage based on the debt data derived from the credit information, comprising: the one or more computer processing units presenting information to the individual which classifies the debt data for the credit card debt category and for the other debt category, and the one or more computer processing units allowing the individual to select among the credit card debt category and the other debt categories for which the individual will obtain the aggregated insurance benefits; using one or more computer processing units, selecting a specific insurance company to provide coverage for the aggregated insurance benefits based on the amount necessary to provide debt payment coverage at specific aggregated insurance premiums.