Credit & Rescoring

Trended Data

Trended credit data provides an expanded view of a consumer’s credit behavior by leveraging up to 30 months of past balances, payments, and credit utilization history.
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FNMA Trended Data Requirement​

As of September 24, 2016, Fannie Mae’s underwriting process requires Trended Data. Trended data is a detailed record of a consumer’s credit history. It includes the historical payment amount for each month going back 24 on all revolving accounts.
 
Initially, only TransUnion’s CreditVision and Equifax’s Dimensions trended data sets will be required. Experian’s trended credit data is currently not required, but could be at a later date. While the inclusion of Trended Data will effect FNMA underwriting; at present credit scores currently offered by FICO® and VantageScore do not consider trended credit data. A a result, Trended Data will NOT impact consumer credit scores.
 
Trended Data is automatically included on all credit reports produced by Credit Technologies, Inc., including those processed through the Mortgage Preflight system.

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“The greatest change to the mortgage credit reporting process since the adoption of the credit score,”
– National Consumer Reporting Association

While providing a fuller picture of a consumer’s credit behavior, Trended Data supplements the traditional moment-in-time credit snapshot with a more dynamic 2-year picture (30 months under Transunion’s CreditVision or 24 months under Equifax Dimensions) of a consumer’s history of managing revolving accounts.
 
With this additional historical data (such as payment and balance,) lenders may be able to see how consumers have managed their credit accounts over time, allowing them to better predict future behavior and assess risk.
 
For example, a consumer with a large credit card balance who pays in full every month (a “transactor”) likely has a higher level of creditworthiness than a consumer with a large credit card balance who only makes the minimum required payment (a “revolver”). Existing credit reports can’t always differentiate between these two types of consumers.

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