FICO 10 T (Trending) is distinct from standard FICO 10 because it does what?

FICO 10 T incorporates trended data, meaning it looks at your balance and payment trajectory over the past 24 months rather than just a snapshot in time. A consumer who has been steadily reducing their credit card balances will score better under FICO 10 T than one who keeps balances high and pays them off only occasionally. This model is considered the most predictive of future default risk that FICO has released to date.