Abstract: An integration device retrieves credit reports, and/or other financial data that is available from one or more credit sources, for consumers and extracts financial account information from the credit reports. The integration device may then format and/or translates the account information into a format that is usable by a particular consumer's personal finance software and communicates the account information to the personal finance software. Accordingly, the personal finance software is provided with information regarding each of a plurality of financial accounts that are associated with the consumer so that the account information may be populated in the personal finance software with minimal effort by the consumer.

Abstract: The embodiments described herein are directed to a method of obtaining credit life insurance for an individual by means of a service organization. In detail, the steps include: registering the individual with the service organization via a computer system in a computer network; accessing credit information on the individual by means of the computer system in the computer network and determining the total debt of the individual; determining the amount of debt to be covered by credit life insurance benefits; creating a data base including insurance companies that provide credit life insurance benefits, the data base further including the premiums that the insurance companies charge for issuing their credit life insurance; selecting specific coverage with required specific premiums; obtaining the individual's approval of the required specific premiums via the computer system in the computer network; and obtaining credit life insurance benefits for the individual.