Abstract: Systems and methods of the present invention provide for determining a required skill set for meeting a goal, determining the current skill set of a user, identifying skill gaps between the required skill set and the user's current skill set, assigning skill training objectives to the user corresponding to the skill gaps, monitoring progress of the user through completion of the skill training objectives, and alerting the user upon completion of the skill training objectives. Goals and skill training objectives may be set for multiple users to close skill gaps preventing such users from qualifying for roles of a project to which the users are closely matched. The each user's respective skill training objective progress may be monitored and tracked provided via a user interface at a manager device associated with the project. The manager device may be alerted when the skill training objectives have been completed by the users.

Abstract: Financial institutions providing counseling to costumers have to spend a significant amount of time gathering data from their clients and analyzing that data before offering appropriate financial advice to their customers. Some Debt Management Programs allow costumers to enroll using online systems without appropriate education or counseling. The present invention allows a costumer to obtain financial counseling automatically. A Credit Report Data Integration system, furthermore, streamlines the process by allowing the system to obtain data, with consent of the customer, from the credit bureaus to determine the financial needs of the client. The system allows the counselor to concentrate on counseling the client, instead of dealing with data entry and analysis. Furthermore, the client has the opportunity, if desired, to receive counseling from the system without having to actually meet a counselor.