WASHINGTON — Fannie Mae is planning to add a new data element to its automated underwriting process soon that is designed to give lenders a clearer picture of how consumers pay their bills over time.

So-called "trended data" provides a 24-month snapshot of an applicant's credit card payments. It can show if borrowers are "revolvers" who make at least the minimum payment each month and carry a balance, or "transactors" who pay their credit card bill in full each month.

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