Abstract: Systems and methods are provided for improving prediction of credit risk performances of a plurality of consumers, each consumer having a standard credit data file and score. According to a particular aspect, a method determines changes in credit data files of the plurality of consumers during a predetermined period of time, and combines change data with standard credit data. The method determines a set of credit elements that are predictive of credit risk performances of the plurality of customers by processing the combined change data and standard credit data, and identifies an incremental risk value for each of the plurality of consumers by supplementing the corresponding credit data file with the predictive set of credit elements. The method further generates a flag indicative of the identified incremental risk value for each of the plurality of consumers.