1. A computer implemented method for modeling data comprising: retrieving by a computer a source list from each of a plurality of credit reporting agencies, each said source list comprising a list of selected consumers; merging by the computer each of the source lists into a merged source list; retrieving by the computer credit data from each of the plurality of credit reporting agencies for each consumer in the merged source list; adding by the computer the retrieved credit data to the merged source list; normalizing by the computer the retrieved credit data across the plurality of credit reporting agencies; and generating by the computer a modeling sample based on the normalized credit data.