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.

Abstract: Certain consumers may not have a credit report and, thus, may not be able to enroll in a credit monitoring service. A credit report monitoring system requests a credit report of consumers that are attempting to enroll in a credit monitoring service. If no credit report is located for the consumer, a credit report of the consumer is automatically periodically requested by the system. When a credit report is later located, the consumer may continue with enrollment in a credit report monitoring service. In this way, the consumer is alerted of the (possibly fraudulent) creation of a credit report and is quickly able to enroll in a credit monitoring service.