System and Method Of Lender, Borrower, and Employee Driven Enrollment

A non-transitory computer readable medium which, when read by a processor, causes the processor to execute:

• a gamified scenario logic configured to receive information from a first user and to generate a first gamified user interface including depicting a first credit score and information associated with a second user;
• and selecting a second credit score, wherein the first gamified user interface includes a digitally rendered modifiable image;
• a financial model logic configured to conduct analytics on the information associated with the second user in accordance with one or more predetermined rule sets to generate a credit modification model, wherein the information associated with the second user includes personally identifiable information or financial data, and wherein conducting analytics includes determination of operations of the credit modification model to modify a credit score associated with the second user from the first credit score to the second credit score;
• and
• a progress report logic configured to conduct analytics on a change in the credit score associated with the second user over time to provide a progress report.

A network device, comprising:

• a processor;
• and
• memory communicatively coupled to the processor, the memory comprising machine readable instructions that when executed by the processor, cause the processor to execute:
• i) a gamified scenario logic configured to receive information from a first user and to generate a first gamified user interface including depicting a first credit score and information associated with a second user, and selecting a second credit score, wherein the first gamified user interface includes a digitally rendered modifiable image;
• ii) a financial model logic configured to conduct analytics on the information associated with the second user in accordance with one or more predetermined rule sets to generate a credit modification model, wherein the information associated with the second user includes personally identifiable information or financial data, wherein conducting analytics includes determination of operations of the credit modification model to modify a credit score associated with the second user from the first credit score to the second credit score;
• and
• iii) a progress report logic configured to conduct analytics on a change in the credit score associated with the second user over time to provide a progress report.