Abstract: The invention is a method of on-line credit information monitoring and control. In detail, the method includes the steps of. 1) accessing the credit information by means of a computer system in a computer network; 2) providing the information to the individual by means of the computer system in the computer network; 3) providing for the individual to request changes in the information; and 4) informing the individual of the completion of the changes in the information.

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: 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: An identity monitoring system notifies legal guardians of potentially fraudulent activity associated with their children's identities. The monitoring system may determine if credit files for respective enrolled minors exist and monitor any credit files of the enrolled minors, such as via periodic requests for credit data and comparison of certain returned credit data, in order to determine if potentially fraudulent activity associated with the minor has occurred. The monitoring system provides periodic notifications, such as via email and/or Internet-accessible user interfaces, regarding potentially fraudulent use of their children's identities. In one embodiment, the monitoring system also provides legal guardians with useful information and resources for how they can further protect the identity of their children.

Abstract: A debt trending device accesses credit reports and/or other financial data that is available from one or more financial data sources, for a user and extracts financial account information. The debt trending device may then analyze the account information in order to generate debt trending information that indicates in the form of lists, tables, graphs, charts, etc., information regarding multiple debt accounts associated with the user.