So what is trending credit? Right now, when a lender pulls your credit report it gives them a snapshot in time of how you utilize credit. It shows current balances and minimum REQUIRED payments on accounts as of the date pulled (aka the last information provided by the creditors to the bureaus at that point in time). It gives the lender your scores from each bureau and that's it. Late or not late, that is the question. The higher the score, the less of a credit risk you are. Well, with trending credit, the bureaus will now give the lender a detailed 30 month (TU) and 24 month (EQ) history on revolving accounts (credit cards). The lender will be able to see your account balances and ACTUAL payments being made over the 30 or 24 mo period.