Abstract: A consumer driven online lending platform obtains information regarding a loan candidate sufficient for a lender to obtain requisite qualifying information for a loan product. The lending platform may result in firm offers of credit to a loan candidate from a lender. A loan candidate may select among multiple firm offers of credit to select the best loan product for the loan candidate. The online lending platform is configured such that only a single instance of a credit report is pulled for a loan candidate so that multiple copies of the credit report are not pulled by different respective lenders. The personal information regarding the loan candidate, the credit and verification documentation are not passed to a lender until the loan candidate accepts an offer from the lender.

Abstract: A system for providing creditworthiness information based on a credit application, including: at least one database storing a plurality of information elements corresponding to credit information; and at least one server configured to: receive at least one data file including first additional information elements and store the additional data elements in the at least one database using batch processing; receive at least one record including second additional information elements and storing the second additional information elements in the database substantially contemporaneously with their being received; receive creditworthiness requests; automatically query the at least one database including the information elements, first additional information elements and second additional information elements dependently upon the received requests substantially contemporaneously with the requests being received to generate query results; and automatically transmit creditworthiness indicative information based upon the