1. A method for obtaining a comprehensive consumer default risk value for a consumer, said method comprising: making a request for said comprehensive consumer default risk value for said consumer; receiving said comprehensive consumer default risk value for said consumer, wherein said comprehensive consumer default risk value is calculated by a method for determining a comprehensive consumer default risk value, said method comprising: obtaining consumer credit data relating to said consumer; modeling consumer spending patterns of said consumer using said consumer credit data to obtain an estimated spend capacity of said consumer; and calculating said comprehensive consumer default risk value for said consumer based upon said consumer credit data and said estimated spend capacity.