Abstract: According to embodiments described in the specification, systems and methods are provided for reducing the divergence of credit report data across multiple credit databases. A computing device is configured to send an initial credit inquiry to a server maintaining a credit database. Based on a response from the server, the computing device is further configured to report data based on credit inquiry data to other servers maintaining other credit databases for updating the databases. The computing device can also be configured to report data based on credit inquiry data to subscribers other than the servers. Credit inquiry data can be reported to servers which did not receive an initial credit inquiry, and such servers are configured not to respond to the reporting with credit report data, but to update the databases.

Abstract: A system includes a core server for administration of electronic credit accounts, payment devices for payment and receipt of notifications, and a credit product engine including a credit product database for maintaining credit product data records. Each credit product data record includes a dynamic index of attribute values and associated data values representing product features for the electronic credit accounts. The credit product engine is in communication with the core server over a network.