A method for determining credit worthiness and profitability. A computer program is stored on a computer storage device, which is operatively connected to a display and an input device. The computer program generates a customer screen and includes a database of customer entries. The method includes logging into the computer program, viewing the customer screen on the display, inputting a customer data set and a financing data set for a new customer into the customer screen, and generating a credit score based on the data sets. The data sets and the credit score are stored as a new customer entry in the database. The computer program also generates a disposition screen for inputting and storing a disposition data set with a selected customer data entry. The computer program also generates an analysis screen for generating and viewing a profitability report showing a profitability data set of selected customer entries.