Abstract: The present system and method may attempt to look forward and create a more meaningful credit score and related credit report by determining skill and competency of an entity. The system and method may receive a job profile for an entity, may receive course enrollment data for courses the entity is enrolled in and may receive course completion history for the user for courses the entity has completed. A development score may be computed based on the weighted course enrollment data and weighted course completion history and a competency score may be computed based on the job profile of the user. A credit score may be generated for the user using the development score and competency score.