Abstract: A method, apparatus and article of manufacture for recycling declined credit applications in an electronic credit request system provides for a first lender receiving a credit application from a borrower. A masked credit report and a credit score is generated for the borrower. The credit application is analyzed based upon the masked credit report and the credit score. If the credit application is declined then the credit application, the masked credit report and the credit score are transmitted to a credit request recycling processor. The credit request recycling processor finds a credit risk match from a multiplicity of other potential lenders.