Dynamic credit report obfuscation

A method for creating a customized and redacted credit report comprising:

• logging into a credit report application on a user device, the credit report application associated with a user profile;
• transmitting, by the user device, a first user request to generate a customized credit report, the first user request comprising at least a user identifier associated with the user profile of a user of the user device;
• receiving, by the user device, a copy of a stored credit report, the stored credit report associated with the user profile;
• analyzing the copy of the stored credit report, the analyzing further comprising identifying one or more information fields comprising information associated with the user profile;
• displaying, by the user device, one or more information fields and one or more selectable user interface elements, the one or more selectable user interface elements associated with the one or more information fields;
• transmitting, by the user device, a credit report redaction list, the credit report redaction list comprising one or more of the one or more information fields to be redacted based on a selection of the one or more user interface elements;
• receiving, by the user device, a shareable credit report link associated with a customized credit report, the customized credit report comprising one or more redacted information fields, the one or more redacted information fields redacted based on the credit report redaction list;
• transmitting, by the user device, a second user request to limit access to the customized credit report link to a defined number of views;
• wherein access to the customized credit report is limited based on the defined number of views;
• displaying, by the user device, a selectable shareable link option;
• receiving selection, by the user device, of the selectable shareable link option;
• and
• transmitting, by the user device, a user share request, the user share request comprising at least the user identifier and a third party address,
• wherein the user share request is transmitted based on receiving the selection of the shareable link option.

A method for creating a customized and redacted credit report comprising:

• receiving, by a credit report server, a first user request to generate a customized credit report, the first user request comprising at least a user identifier;
• identifying a user profile based on the user identifier;
• accessing a credit report associated with the user profile;
• transmitting, by the credit report server, the credit report to a user device associated with the user identifier, the credit report comprising one or more information fields and one or more selectable user interface elements associated with the one or more information fields;
• receiving, by the credit report server, a credit report redaction list, the credit report redaction list comprising one or more information fields to be redacted based on a user selection of the one or more user interface elements made via the user device;
• identifying, by the credit report server, one or more of the one or more information fields to redact based on the credit report redaction list and machine-learning techniques for identifying additional information to redact from the one or more information fields;
• generating the customized credit report, the customized credit report comprising one or more information fields that are visible and one or more redacted information fields, the one or more redacted information fields based on identifying the one or more of the one or more information fields to redact;
• storing the customized credit report;
• generating a customized credit report link, the customized credit report link associated with the customized credit report, the credit report link comprising one or more parameters, wherein at least one of the one or more parameters is associated with the user profile;
• transmitting by the credit report server, the customized credit report and the customized credit report link to the user device;
• transmitting, by the user device, a second user request to limit access to the customized credit report link to a defined number of views;
• wherein access to the customized credit report link is limited based on the defined number of views;
• receiving, by the credit report server, a user share request, the user share request comprising at least the user identifier and a third party address;
• generating a third party message, the third party message comprising the customized credit report link, the defined number of views and the third party address;
• and
• transmitting the third party message to a third party, the third party associated with the third party address.