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