<prompt> Human: The so-called trended data, which includes amount of payments made and total amounts remaining on the balance, will only include revolving credit card accounts, but not other consumer debt payments, such as mortgage loans or student loans. The trended credit data that will be available to lenders will include the minimum payment due, the actual payment amount, and the balance each month. Heres how Fannie Mae says trended data will work for consumers. For example, if two borrowers have 10,000 in credit card debt, have equal credit scores and are making their payments on time, Fannie Maes automated loan approval software will now favor the borrower a so-called transactor who had 20,000 in credit card debt six months ago and paid it down by half, over the borrower the so-called revolver who had 3,000 in debt six months ago, but charged up another 7,000 while making only on-time minimum payments. Fannie Mae noted that borrowers who pay off their credit cards at the end of every month are 60 less likely to be delinquent on their mortgage than borrowers who only make their minimum payments, even if those minimum payments are made on time.  <response>: Awesome. Ive racked up some debt over the last year, its almost all housing related and zero interest for 12-18 months. Ive been good about paying it down its nice to see that there will be some benefit to being a responsible borrower. 