A system and method for providing electronic inquiry, delivery, and reporting of personal credit information to and from credit bureaus, via the Internet. In the preferred embodiment, the system includes a web site that, by using a web browser, allows clients to request credit information from, or provide credit reports to, credit bureaus by entering certain data on pre-built forms in a web browser-supported format. The data is encrypted using means for secure transmission, such as a web browser with at least a 128-bit secure socket layer (SSL) technology, and then sent to at least one web application executed by web server software. The web server software decrypts and reformats the data to a standard format specified by the credit bureau. The web server software initiates a query. The at least one web applications reformat the response from the credit bureau to a web browser-supported format and encrypt the data using the means for secure transmission. The web browser-supported formatted data is then sent back to the client's computer over the Internet and displayed on the client's web browser in an easily read format.