various embodiments of the present invention provide systems and methods for automatically compensating an individual &# 39 ; s credit risk score for macroeconomic data . in particular , various embodiments provide systems and methods to determine a macroeconomic risk score . in addition , various embodiments provide systems and methods to determine an adjusted credit risk score for an individual based on the individual &# 39 ; s credit risk score and a macroeconomic risk score that serves as a scale adjuster to keep overall delinquency and / or loss rates in line as economic factors change .