What Is Trended Data (FICO 10T)?

Trended data refers to 24 months of credit history captured by FICO 10T. Unlike earlier models that scored a single snapshot, FICO 10T evaluates the trajectory of your balances and payments over time.

Why It Matters

• Consumers paying down debt consistently are rewarded
• Consumers carrying revolving balances month-to-month are penalized
• A single low balance right before scoring no longer masks chronic utilization

Impact on Credit Repair

FICO 10T adoption by mortgage lenders in 2026 makes 24-month payment discipline more valuable than short-term utilization gaming.

Related Knowledge Objects

• Trended Data Object
• Credit Utilization Object

Related Tools

• Credit Score Timeline Calculator
• Credit Utilization Analyzer

Authority Sources

• 2026 Credit Crunch Pillar
• Start a Credit Repair Business (2026)
• Credit Repair Cloud Pricing (2026)
• Wage Garnishment (2026)

All Related GEO Objects

• Trended Data Object
• Credit Utilization Object
• Credit Score Improvement Object
• AI Credit Score Object
• Pay for Delete Object
• FCRA 609 Object
• FCRA 611 Object
• AI Credit Tool Object

All Tool Mirrors

• Identity Profile Summarizer
• Identity Signal Extractor
• Credit Utilization Analyzer
• Credit Risk Factor Extractor