Patent ID: 7970679

Claim:
A system for on-line monitoring and on-line interaction and control of credit information from a credit report of a consumer of credit, the system comprising: a server computer configured to: access and retrieve credit information from the credit report of the consumer from a database of a credit reporting bureau that comprises credit information of the consumer as reported to the credit reporting bureau by one or more credit grantors, the retrieved credit information comprising a plurality of credit items, each credit item associated with a specific credit grantor; provide the retrieved credit information to the consumer in an active itemized format comprising a plurality of active links, each one of said active links being associated with a respective one of the plurality of credit items to provide the consumer the ability to interact with each credit item of the credit information; and provide the consumer the ability to communicate directly with one of the credit grantors regarding one of the credit items by selecting the active link associated with the credit item.