Abstract: An interface receives credit data from a plurality of data sources. The credit data comprises customer information. A processor determines a customer identifier associated with the credit data and links the customer identifier associated with the credit data to a customer identifier associated with historical credit data. The processor determines whether the customer information of the credit data is different from customer information of the historical credit data. When the customer information of the credit data is different than the customer information of the historical credit data, the processor updates the customer information of the credit data to match the customer information of the historical credit data. The interface communicates the updated credit data to a plurality of external modules with each external module associated with a credit bureau. The processor updates the historical credit data to include the updated credit data.