1. A method of quantitatively improving a financial evaluation, comprising: determining a plurality of factor scores based on a plurality of factors; using a processor to calculate a total score based on the plurality of factor scores; identifying a plurality of actions that will influence at least a portion of the plurality of factor scores; ranking the actions based on their total impact on the plurality of factor scores; and determining a most important action of the plurality of actions to improve the total score; wherein at least one of the factor scores is determined by assigning a maximum score value to the at least one factor score if a subject of the total score has provided a requested information used to determine another factor score.