Abstract: A computerized system is disclosed for facilitating the transactions between a buyer of credit (Member) with a seller of credit (Lender) (see FIG. 1). The method and system builds a credit marketplace web site that allows Members and Lenders (14) to interact in a secure and neutral environment. Members receive credit reports and may use these reports to extend anonymous credit requests. Lenders may filter the credit requests using criteria by which they will determine which offers are suitable for potential review. The extension of a credit offer by a lender to the Member causes the Lender to be charged a transaction fee, which may be shared by other Lenders who likewise extend credit offers to the member.