Sources:
1- https://support.credittechnologies.com/kb/a1176/fnma-announces-trended-data-requirement_.aspx
2- https://www.fanniemae.com/research-and-insights/perspectives/trended-credit-data-improves-du-risk-assessment-and-supports-access-mortgage-credit
3- Rosenblatt, Eric. March 8, 2016. Trended Credit Data Improves DU Risk Assessment and Supports Access to Mortgage Credit