Trended Credit Data

UPDATE: Informative Research will include Trended Credit Data beginning  July 25, 2016

Visit for details.


UPDATE: Fannie Mae Announced a New Launch Date for Trended Credit Data – September 24, 2016

The new implementation date for Trended Credit Data (TCD) will be September 24, 2016, as announced by Fannie Mae.

Click Here to view Fannie Mae’s announcement.


UPDATE: Fannie Mae Delays Trended Credit Data 

On June 10, 2016, FNMA announced that the new Trended Credit Data requirement for lenders underwriting through Desktop Underwriter (DU) Version 10.0 has been delayed. The original effective date for the new requirement was June 25, 2016. A new implementation date has not been released at this time. Informative Research will keep you updated with developments from Fannie Mae.

CLICK HERE to view the message from Fannie Mae.


“Fannie Mae wants to be the partner of choice for lenders. Our aim is to help lenders serve their customers efficiently so that more qualified borrowers have access to mortgage credit…,” said Timothy J.Mayopoulos, President and Chief Executive Officer at Fannie Mae. On October 19, 2015 the company announced the following innovation:

Trended Credit Data (TCD): In mid-2016, Fannie Mae will require lenders to use trended credit data when underwriting single-family borrowers through Desktop Underwriter®. This data will be provided by Equifax and TransUnion, and allows a smarter, more thorough analysis of the borrower’s credit history. With TCD, lenders will have access to the monthly payment amounts that a consumer has made on these accounts over time. Among other benefits, this will allow lenders to determine if the borrower tends to pay off revolving credit lines such as credit cards each month or if the borrower tends to carry a balance from month-to-month while making minimum or other payments. DU will be updated to utilize this trended credit data and Fannie Mae will provide additional guidance to lenders in the coming months.  Click Here to view Fannie Mae’s Trended Credit Data online presentation.

Will Informative Research be ready for the June 25th TCD delivery to FNMA?

Yes. In the first quarter of 2016 IR successfully tested TCD with several clients and FNMA without any data interruptions.  Our clients are in compliance as of April 1st.  IR continues to successfully test our TCD pilot program with additional clients and FNMA with no data interruptions. We are continually improving the design and layout of how we will display TCD within our credit reports.  If you would like further details about our plans for TCD please contact TCD Data Inquiry.

What is TCD?

TransUnion (TU) and Equifax (Eqfx) will begin to pass TCD aka historical payment information with each consumer file so Fannie Mae (FNMA) can use the data in their underwriting engine, DU. On April 1, 2016, Informative Research (IR) began reporting the 24 prior months’ Actual Payment Amount, Credit Limit, Current Balance, High Credit Amount, Past Due Amount, and Payment Amount Due for each tradeline.

When will FNMA begin to utilize TCD in their underwriting decisions?

June 25th 2016.

How will FNMA be using TCD in their underwriting decisions?

FNMA has only stated revolving credit card data will be considered on June 25th and they have indicated that other trade line types could be added later.

Will there be any additional charges for the TCD?

Yes, the credit bureaus are intending to charge for the additional data. At this time IR does not know what the impact will be for our customers.

If you would like further details about our plans for TCD, please contact TCD Data Inquiry for assistance with this solution.