1. 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, wherein each referencer is an entity providing a reference to a lender stating that an applicant would be very likely to repay an extension of credit or use a financial account as agreed; a fetch data component executed on a processor coupled with the database, the fetch data component configured to: receive input application information, fetch relevant information from the database, based on the input application information, related to a subject applicant of the input application information and at least one referencer, and generate a plurality of linked data packages based on the fetched information; and an evaluation device executed on a processor coupled with the fetch data component, the evaluation device configured to apply credit outcome models to the plurality of linked data packages and generate a recommendation relative to the subject applicant or application.