Abstract: Systems, methods, computer programming, and graphical user interfaces adapted for enabling creditors to provide prospective debtors with multiple credit opportunities and the ability to act on them, either separately or in various combinations. The credit opportunities may be identified using, in whole or in part, consideration of financial histories of the prospective debtors with the creditor making the plurality of credit offers, and/or the financial history(ies) of the prospective debtors with other creditors.