Abstract: In certain embodiments, a system includes a processor. The system also includes one or more non-transitory computer readable storage media embodying software that is operable when executed by the processor to perform certain operations. The operations include receiving a credit application request from an applicant directed to a credit entity. The credit application request includes a product selection. The operations also include determining a relationship strength between the applicant and the credit entity. The operations also include receiving a plurality of responses to requests for applicant data. The operations also include determining an applicant classification based at least in part on one or more of the product selection and the relationship strength. The operations also include determining, based on the applicant classification, one or more applicant data collection rules.