Abstract: The present invention relates to a system and method for credit evaluation, and in particular for utilizing information from multiple information sources and/or related to multiple entities. In certain embodiments, a neural network is utilized to select among information to form a composite credit report involving entries from multiple information sources and/or related to multiple entities. In certain embodiments, where multiple information sources contain inconsistent information, a selection is made to determine which information is placed in a composite report. Alternatively or in conjunction, information may be weighted according to useful factors. In instances in which information related to multiple entities is evaluated, a selection may be made as to which information is included in a composite credit report.