1. A computing system for managing user credit information to expedite improvement in a user's credit score, the computer system comprising: a server computing system having: one or more hardware computer processors; one or more storage devices configured to store software instructions configured for execution by the one or more hardware computer processors, the software instructions comprising: a user interface module; a bill payment module; a payment reporting module; an account validation module; and an alert module; and a user computing device configured to communicate with the server computing system via the user interface module; wherein the server computing system executes the software instructions to cause the server computing system to: access credit data of a user from one or more credit bureaus; automatically identify a plurality of accounts associated with respective creditors included in the credit data of the user; generate, via the user interface module, credit report user interface data configured for presentation to a user in a credit report user interface rendered on the user computing device operated by the user, the credit report user interface indicating: account information for the plurality of accounts based on the accessed credit data; a credit score for the user based on the accessed credit data; an account balance for the plurality of accounts based on the accessed credit data; information regarding an expected numerical adjustment in the credit score if a first payment isn't made on time to a first creditor associated with a first account of the plurality of accounts, the account information being presented to the user via the user interface module based on expected impact of the plurality of accounts on the user's credit score, wherein the information is displayed on the user computing device within one or more screens to include at least: an indication of the first account; a first payment due on the first account; an indication of the expected numerical adjustment in the credit score; a first payment button associated with the first account, wherein the first payment button is configured to enable the user to initiate the first payment to the first creditor associated with the first account and reporting of the first payment to one or more credit bureaus; a first payment amount interface configured to receive a first payment amount for payment to the first creditor; a first payment source selection interface configured to receive information from the user regarding a first payment account of the user from which the first payment to the first creditor is to be drawn; a second payment button associated with a second account of the plurality of accounts, wherein the second payment button is configured to enable the user to initiate a second payment to a second creditor associated with the second account and reporting of the second payment to one or more credit bureaus, wherein the first creditor and the second creditor are not affiliated; a second payment amount interface configured to receive a second payment amount for payment to the second creditor; and a second payment source selection interface configured to receive information from the user regarding a second payment account of the user from which the second payment to the second creditor is to be drawn; transmit the credit report user interface data to the user computing device, wherein the user computing device is configured to render the credit report user interface on a display of the user computing device; in response to the user selecting the first payment button of the credit report user interface rendered on the user computing device: receive via the user interface module a first payment instruction from the user indicating at least the first payment amount and the first payment account; transmit the first payment instruction from the user interface module to the bill payment module; initiate, via the bill payment module, transfer of the first payment amount from the first payment account of the user to the first creditor; and confirm, via the account validation module, receipt of the first payment by the first creditor; in response to the user selecting the second payment button of the credit report user interface rendered on the user computing device: receive via the user interface module a second payment instruction from the user indicating at least the second payment amount and the second payment account; transmit the second payment instruction from the user interface module to the bill payment module; initiate, via the bill payment module, transfer of the second payment amount from the second payment account of the user to the second creditor; confirm, via the account validation module, receipt of the second payment by the second creditor; and transmit payment data indicating confirmation of receipt of the first payment by the first creditor and confirmation of receipt of the second payment by the second creditor from the bill payment module to the payment recording module; generate via the payment reporting module substantially concurrently with transmitting the first and second payment instructions, aggregated payment data comprising at least the first payment instruction, wherein the first payment instruction is associated with the first creditor and the second payment instruction, wherein the second payment instruction is associated with the second creditor; transmit via the payment reporting module the aggregated payment data including details of the first payment and details of the second payment to one or more credit bureaus before the first and second creditors report the respective first and second payments to the one or more credit bureaus; communicate the aggregated payment data from the payment reporting module to the alert module; generate an alert via the alert module to be displayed on the user computing device; cause transmission via the alert module and the user interface module of the alert over a wireless communication channel to the user computing device, wherein the alert activates an application on the user computing device to cause details indicating that payment data indicating confirmation of receipt of the first payment by the first creditor and confirmation of receipt of the second payment by the second creditor have been provided to one or more credit bureaus to display, and wherein the alert enables connection to the server computing system; and display, on the user computing device, an actual impact on the user's credit score of completion of the first payment and the second payment.