Credit Report with Trended Data (Mortgage)

A single pull gives you the complete Equifax File One® mortgage report plus 24 months of “Ignite Trended™” balances, scheduled- vs-actual payments and utilization for every revolving and installment tradeline. The file can be issued as a soft inquiry for pre-qualification (no score hit) or as a hard inquiry for DU®/LPA uploads; the only difference is a flag in the identical ACRO 6.0 XML / MISMO 3.4 / JSON wrapper. Trended fields already map to DU/LPA, so underwriters get deeper capacity insight with zero re-engineering