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Trended Data - The Credit Pros
Manage episode 439219421 series 3576016
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Trended data on credit reports shows payment history over time, affecting credit scores and lending decisions. It reveals if a person pays off credit card balances or carries debt, with transactors deemed less risky. VantageScore 4.0 uses trended data, and FICO may follow. This data is increasingly important in credit evaluations, including mortgage risk assessments by Fannie Mae.
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