Patent ID: 8738515

Claim:
A computer system, comprising: a thin-file propensity model stored in non-transitory computer storage; and one or more computing devices comprising one or more hardware processors configured to: access the thin-file propensity model from the computer storage, wherein generation of the thin-file propensity model involved an identification of one or more first demographic characteristics correlated to one or more records that include less than a predetermined amount of credit data, wherein the identification was based at least on a likelihood that other records also associated with the first demographic characteristics include less than the predetermined amount of credit data; apply the thin-file propensity model to a first record to: determine that one or more demographic characteristics associated with a first record match at least one of the first demographic characteristics; and determine that the first record likely includes less than the predetermined amount of credit data; and determine a risk score associated with the first record using at least one demographic characteristic associated with the first record, wherein the risk score determination comprises applying a risk score model to the first record using the at least one demographic characteristic as an input to the risk score model.