US Patent 7877304 System and method for managing consumer information

Method and system of analyzing a consumer's credit is provided. The method includes, answering questions about the consumer's credit; analyzing the answers to determine credit data about the consumer; storing the credit data in a leads database; storing the credit data in a credit analysis database; displaying the credit data to the consumer; inquiring into whether the consumer wants to register for managing credit online; and registering the consumer or sending the credit data to a marketing analysis engine to categorize the credit data for future marketing to the consumer. The system includes a user interface for entering user data; a credit score meter for accessing a credit score; and a processing module for segregating credit data items into categories; wherein the processing module calculates a credit score; an interest rate for each of the categories; and payment amounts for each of the categories.