Sources:
1- https://support.credittechnologies.com/kb/a1176/fnma-announces-trended-data-requirement_.aspx
2- https://www.fanniemae.com/content/fact_sheet/desktop-underwriter-trended-data.pdf
3- Rosenblatt, Eric. March 8, 2016. Trended Credit Data Improves DU Risk Assessment and Supports Access to Mortgage Credit
4- TransUnion CreditVision Study: http://transunioninsights.com/CreditVisionStudy/