SYSTEMS AND METHODS FOR MAKING STRUCTURED REFERENCE CREDIT DECISIONS

摘要

A structured reference credit decision device includes a database configured to store information related to applicants, potential customers, referencers, potential referencers, lenders, and other third parties, a fetch data component coupled with database, the fetch data component configured to receive input application information, fetch relevant information from the dabase, based on the application information, related to a subject applicant of the input application information and at least one rerencer, and generate a plurality of linked data packages based on the fetched information, and an evaluation device coupled with fetch data component, the evaluation engine configure to apply credit outcome models to the plurality of linked data packages generate a recommendation relative to the subject applicant or application.