A method to trigger credit actions may include determining a quantity of triggers flagged for a selected creditor. The method may also include establishing an action plan in response to the quantity of flagged triggers being greater than the predetermined number. In accordance with another embodiment of the present invention, a system to trigger credit actions may include a processor and at least one trigger. The system may also include a credit action program operable on the processor to generate a sires of inquiries and to determine a quantity of the at least one trigger being flagged based on the responses to the series of inquiries for a selected creditor.