Abstract: A system, method and computer program product cooperate to gather and report information relevant to a consumer's credit that is not typically reported on a credit report from one of the major credit bureaus. By accessing other databases regarding borrower specific financially relevant information (e.g., judgments, liens, rental payment compliance, alternative credit transactions, etc.), enhanced data is available for making better lending decisions. Removal of transactions that would prevent compliance with the Fair Credit Reporting Act is performed, as well as removal of transactions that are erroneous for a particular consumer or include information that are not associated with that particular consumer.