Patent ID: 8452699

Claim:
A structured reference credit decision device, comprising: a database configured to store information related to applicants, potential customers, referencers, potential referencers, lenders, and other third parties, where a referencer is a person or organization who provides a reference to a lender regarding an applicant and wherein a referencer is not a credit bureau; a fetch data component coupled with the database, the fetch data component configured to: receive input application information, fetch relevant information from the database, based on the application information, related to a subject applicant of the input application information and at least one referencer associated with at least one prior application, including fetching relevant information from the at least one prior application, and generate a plurality of linked data packages based on the fetched information; the linked data packages comprising credit bureau records, prior application records, at least one referencer that is not a credit bureau, and lender's records of prior accounts and prior account performance, and an evaluation device coupled with the fetch data component, the evaluation engine configured to apply credit outcome models to the plurality of linked data packages and generate a recommendation relative to the subject applicant or application.