This white paper first presents an overview of what trended credit data is on a credit report and what it provides. Second, this paper examines how direct credit management behaviors over time become a stronger indicator of credit risk versus static behavioral snap shots. Finally, a comparative case study using two credit scoring models, one containing only static attributes and the other incorporating trended credit data, highlights how insights drawn from trended credit data improve the view of a consumer’s risk profile.

VS_CreditHealth_FinalWebDownload