A method and system for providing anonymous credit qualification and price negotiation, comprising: receiving, at a server computer, at least one application for at least one borrower, the at least one application comprising qualification data relating to the at least one borrower, supplementing the at least one application with third-party data relating to the at least one borrower, creating, for each of the at least one borrower, a complete borrower profile comprising information relating to each of the at least one borrower, and creating, for each of the at least one borrower, a universal borrower profile, wherein the Universal Borrower Profile comprises anonymous information selected from the complete borrower profile associated with each of the at least one borrower.