Abstract: A lifecycle dynamic modeling system includes a user device that includes a controller, a database, and a memory within the wireless device and in communication with the controller. The memory includes program instructions executable by the controller that, when executed by the controller, cause the controller to receive data from the database, wherein the data includes a plurality of data points over a period of time, divide the data into a plurality of vintages based on time periods, divide each of the vintages in a plurality of vintages into a plurality of segmented-vintage cohorts based on one or more attributes of the data, and determine a score based on a modeling rate that varies over time, wherein the modeling rate is based on the plurality of segmented-vintage cohorts.