A system and method of building a decision or prediction model used for analyzing and scoring behavioral transactions is disclosed. A customer dataset in a model development store is used to build an original model is subject to a data right usage withdrawal, the original model having coverage over the customer dataset extract, using data sampling, a portion of the customer dataset to generate a model surrogate dataset. The system and method discretize vectors present in both the model surrogate dataset and the customer dataset, and receive data representing the data right usage withdrawal from the customer dataset. The system and method determine a depletion of the model surrogate dataset according to the data right usage withdrawal, and compute an estimated mean time to coverage failure of the original model based on the depletion of the model surrogate dataset according to the data right usage withdrawal.