Certain implementations of the disclosed technology may include systems, methods, and apparatus for inferring the performance of rejected credit applicants using non-tradeline data. According to an example implementation, a method is provided for evaluating factors that may indicate financial distress and/or future credit performance associated with an applicant. In an example implementation, the method may include receiving applicant information associated with an applicant of a credit application. Responsive to a query, the method may include receiving by at least one processor, non-tradeline data related to the applicant. The method includes scoring, using a predictive scoring model, and based at least in part on the non-tradeline data, a prediction of the applicant's future credit performance. The method includes generating, based on the scoring, an estimated credit performance of the applicant over a predetermined period; and outputting an indication of the estimated credit performance.