1. A method for determining a comprehensive consumer default risk value for a consumer, wherein said consumer default risk value is derived by a risk analysis computer comprising a processor and a non-transitory memory, said method comprising: modeling, by said risk analysis computer, consumer spending patterns of said consumer using credit data associated with said consumer to obtain an estimated spend capacity of said consumer; calculating, by said risk analysis computer, said comprehensive consumer default risk value for said consumer based upon said consumer credit data, internal data associated with said consumer comprising consumer transactional data, and said estimated spend capacity, wherein said comprehensive consumer default risk value represents a risk associated with said consumer defaulting on an existing debt obligation; and wherein said calculating comprises: assigning, by said risk analysis computer, said consumer to a consumer population segment based upon primary residence value; selecting, by said risk analysis computer, an appropriate risk factor relationship based upon said consumer credit data and said internal data.