{"id":3677,"date":"2016-06-02T22:02:16","date_gmt":"2016-06-02T22:02:16","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=3677"},"modified":"2020-07-13T22:33:16","modified_gmt":"2020-07-13T22:33:16","slug":"new-trended-data-credit-reports","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/new-trended-data-credit-reports\/","title":{"rendered":"New Trended Data Credit Reports and How it Affects Your Credit Life"},"content":{"rendered":"<h2>Trended Data Credit Reports Explained<\/h2>\n<p>As we like to say &#8220;Everyone is a number, so you might as well have a good one&#8221;.&nbsp; Lenders have based decisions to approve or deny on your credit score number.&nbsp; Even employment and insurance rates can be based on your credit score!&nbsp;&nbsp;Now with Trended Data, a person&#8217;s credit reports are going to have&nbsp;more in depth&nbsp;information than ever for lenders to base credit decisions.<\/p>\n<h2>So what is trended data?<\/h2>\n<p>Just like fashion trends come and go, so does your credit profile.&nbsp; Your balances and payment habits ebb and flow over time like a trend.&nbsp; Trended data provides historical information on the balances, previous scheduled payments, and the actual payment made each month.&nbsp; This is additional information which credit reports did not reveal previously.&nbsp;&nbsp;Before trended data, while looking at a&nbsp;card on the report, lenders had no idea what the balances on credit looked like past one month.&nbsp; Creditors can now tell things such as the following:&nbsp; trended data credit reports and mortgage loan approvals<img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3724 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/05\/houses-with-arrow-going-up-300x199.jpg\" alt=\"trended data credit reports and mortgage loan approvals\" width=\"300\" height=\"199\"><\/p>\n<ul>\n<li>How much your balance was every month in the past<\/li>\n<li>How much your required payment was for any month<\/li>\n<li>How much you actually paid in relation to your required payment<\/li>\n<li>What you spend each month<\/li>\n<li>How your credit behavior is changing over time &#8211; Have you been paying down debt or accumulating debt lately?<\/li>\n<\/ul>\n<p>None of this was available before unless you happened to have copies of previous credit card statements. Keep in mind that not all creditors will report trended data.&nbsp; So only the accounts which provide this information will show on your credit report.<\/p>\n<h2>What Does Trended Data Say About a Borrower?<\/h2>\n<p>The main thing this new feature shows would be how well a borrower manages their credit cards or lines of credit.&nbsp; A person who uses revolving accounts conservatively will be a lower risk and would have a better chance of approval.&nbsp; Conservative means using a lower percentage of the credit line and paying it off each month or at least quickly.&nbsp; Conversely, if someone keeps a high balance compared to the credit limit but pays just the minimum payment required, this would be a higher risk borrower.<\/p>\n<p>Lets say you had experienced a job lay off in the past and acquired some debt, but since then you have been aggressively paying down debts.&nbsp; This would now be shown on your credit report and would look very favorably on your approval.&nbsp; Yet if you have been consistently increasing your balances on cards over the last 12 months and paying the minimums, you would be trending in the wrong direction.&nbsp; This would hurt your chances of approval.<\/p>\n<p><strong>Let&#8217;s Look at a<\/strong> C<strong>omparison Case Pre and Post-Trended Data:<\/strong><\/p>\n<p>Billy B. Buyer has 3 credit cards that each have $5000 credit limits and they have $4800 balances a piece.&nbsp; He carries this same balance for the previous 12 months.&nbsp; Then he decides he wants to buy a house, borrows money from his mother,&nbsp;and pays his cards all down to $500 each.&nbsp; A month later the mortgage lender pulls his credit and the only thing that shows is he has $500 balances on each card which is only 10% of his credit limits.&nbsp; <strong>Results:<\/strong>&nbsp; Billy is a great credit risk because the lender only knows that Billy 1) pays on time, 2) Billy has a very low balance compared to the limit right now, 3) So Billy is a great credit risk because we can only see his current balance.&nbsp; You can see that lenders pre-trended date could only see the current balance and not the balance history.<\/p>\n<p>But&nbsp;now with&nbsp;trended data, we would know that Billy has been maxed out for 12 months, paid the minimum&nbsp;payment,&nbsp;and&nbsp;paid down his cards dramatically one month ago.&nbsp; So a lender would obviously ask, &#8220;where did this extra $12,900 come from?&#8221; and the answer would be a loan from mom.&nbsp; This may&nbsp;be an issue on a mortgage since he borrowed the money from a person.&nbsp; You can see why this is important information and could help or hurt a borrower depending on the overall use of credit.<\/p>\n<p>Do keep in mind that even though there is more data being evaluated by the credit bureaus and lenders, this does not affect your actual credit scores.&nbsp;&nbsp;Scores will be calculated the same way as they have been.&nbsp;&nbsp;Below is an interesting chart&nbsp;to see who is statistically more likely to be delinquent on a debt.<\/p>\n<table dir=\"LTR\" border=\"1\" width=\"678\" cellspacing=\"0\" cellpadding=\"7\">\n<tbody>\n<tr>\n<td valign=\"TOP\" width=\"33%\" height=\"20\"><b><\/b><span style=\"font-size: medium;\"><b>Research has shown that borrowers who <\/b><\/span><\/td>\n<td valign=\"TOP\" width=\"33%\" height=\"20\"><b><\/b><span style=\"font-size: medium;\"><b>are <\/b><\/span><\/td>\n<td valign=\"TOP\" width=\"33%\" height=\"20\"><b><\/b><span style=\"font-size: medium;\"><b>than borrowers who <\/b><\/span><\/td>\n<\/tr>\n<tr>\n<td valign=\"TOP\" width=\"33%\" height=\"15\"><span style=\"font-family: Arial,Arial; font-size: xx-small;\">Never exceed their limit <\/span><\/td>\n<td valign=\"TOP\" width=\"33%\" height=\"15\"><span style=\"font-family: Arial,Arial; font-size: xx-small;\">75% less likely to become delinquent <\/span><\/td>\n<td valign=\"TOP\" width=\"33%\" height=\"15\"><span style=\"font-family: Arial,Arial; font-size: xx-small;\">Exceeded their credit card limit in the last 12 months <\/span><\/td>\n<\/tr>\n<tr>\n<td valign=\"TOP\" width=\"33%\" height=\"15\"><span style=\"font-family: Arial,Arial; font-size: xx-small;\">Pay off their credit card every month <\/span><\/td>\n<td valign=\"TOP\" width=\"33%\" height=\"15\"><span style=\"font-family: Arial,Arial; font-size: xx-small;\">60% less likely to become delinquent <\/span><\/td>\n<td valign=\"TOP\" width=\"33%\" height=\"15\"><span style=\"font-family: Arial,Arial; font-size: xx-small;\">Only make their minimum payment each month<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Chart provided by Fannie Mae FAQ on Trended Data.&nbsp; <a href=\"https:\/\/www.fanniemae.com\/content\/faq\/do-du-release-06252016-faqs.pdf\">Source<\/a><\/p>\n<h2>How will Trended Data Affect Mortgage Loan Approvals?<\/h2>\n<p>We are being told that&nbsp;credit decisions for <strong>conventional loans only <\/strong>ran through Fannie Mae&#8217;s automated system DU will be affected by trended data credit reports.&nbsp; This data will not be used to affect credit decisions in DU on FHA or VA loans though at this time.&nbsp; Freddie Mac will probably start using this feature in the near future on conventional loans as well we are told.<img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3682 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/05\/Reviews-300x200.jpeg\" alt=\"Best mortgage lender Southport NC\" width=\"300\" height=\"200\"><\/p>\n<p>If you have credit questions, let us know as we are glad to help!<\/p>\n<h2>Best Mortgage Lender Southport NC!<\/h2>\n<p><strong>A Recent review from&nbsp;a very satisfied buyer:<\/strong>&nbsp; &#8220;<em><a href=\"http:\/\/testimonialtree.com\/Details.aspx?u=18038\"><span style=\"text-decoration: underline;\">Great experience from beginning to end.&nbsp; Knowledgeable about mortgage products which helped us to make the best decision for our family.&nbsp; Highly recommend!<\/span><\/a>&#8221;&nbsp;<\/em> Jerry S., Southport, NC<\/p>\n<p>[av_button_big label=&#8217;Contact Team Move to buy your new home now!&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/contact-us\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;][\/av_button_big]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trended Data Credit Reports Explained As we like to say &#8220;Everyone is a number, so you might as well have a good one&#8221;.&nbsp; Lenders have based decisions to approve or deny on your credit score number.&nbsp; Even employment and insurance rates can be based on your credit score!&nbsp;&nbsp;Now with Trended Data, a person&#8217;s credit reports [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3714,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,33,19,40],"tags":[687,743],"class_list":["post-3677","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-frequently-asked-questions","category-recent-changes","category-tips","tag-credit-scoring-tips","tag-trended-data-credit-reports"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Trended Data credit reports and how it affects your mortgage<\/title>\n<meta name=\"description\" content=\"Trended data is the new way credit reports show your payment history. Learn how to win the credit reporting battle so that your trend is on the way up!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teammovemortgage.com\/blog\/new-trended-data-credit-reports\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trended Data credit reports and how it affects your mortgage\" \/>\n<meta property=\"og:description\" content=\"Trended data is the new way credit reports show your payment history. 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