topic Re: Citibank trended data Dis in General Credit Topics

Citibank trended data Dis

AndySoCal — Wed, 25 Mar 2026 01:08:35 GMT

For those who are not familiar with trended data or want a refresher on the subject the link below will help

https://www.experian.com/blogs/insights/what-is-trended-data/

LLC

There is a longish backstory which I will omit. Main reason it is boring and would put you to sleep.

The field that is the subject is the actual payment amount. Citibank does not report the actual payment amount to the credit bureaus. Citibank is not the only one who does this. The actual payment amount is the field that basically tells the creditor who you are using your credit card.

Does the consumer pay in full each month or does the consumer carry a balance month over month. If you are practicing any of the all zero except one or except 2 you are ensuring the creditor would understand you pay in full. In my case I do not do this so creditor cannot tell by looking at the credit trended data how I pay my accounts each month.
On the other hand I have creditors like Synchronny Bank and US Bank that does report the actual payment amount, The trended data is used as a part of the FICO 10T score and Vantage score 4.0 models. How impact the data not being reported has is unknown at this time.

The supported data submitted with the dispute to Citibank is a copy of the Citibank account , a copy of a creditor that does report the actual amount paid both notes on the trade lines. The biureaus have already marked the account in dispute no impact to my score as of yet. I am not saying I will win but if I do not I want to see the reason why they do not change their reporting.

The letter i recieved from Citibank stated I would have an answer in 30 days.

Re: Citibank trended data Dis

BrutalBodyShots — Wed, 25 Mar 2026 02:18:25 GMT

I'm not clear on what you're disputing. The fact that a creditor doesn't report actual payment amount, something they aren't required to report in the first place? Maybe I'm misunderstanding your thesis.

I'd also add that even without payment information present, it's relatively easy to deduce whether or not one is a Transactor or Revolver simply based on the reported balances alone. If a human being can make a reasonable assumpting from looking at just that data, you can bet good money that lenders have come up with internal algorithms that can do a far better job of interpreting that data than we can.

Re: Citibank trended data Dis

AndySoCal — Wed, 25 Mar 2026 04:44:54 GMT

Part of my thesis is that just from the credit report and or the trended data how does creditor know if I pay the account in full each month? A consumer can make a payment each month to keep the account current. As far as I am concerned it is incomplete reporting.

At this point in time I am gardening until 2027 and maybe beyond. In the future if I were making a decision for example between Citibank Double Cash and Wells Fargo Active Cash. I would most likely take the Active Cash per my understanding Wells Fargo reports the actual payment amount, It is only an example already have a 2% cash back card.

Re: Citibank trended data Dis

BrutalBodyShots — Wed, 25 Mar 2026 14:14:19 GMT

@AndySoCal wrote:
As far as I am concerned it is incomplete reporting.

Reporting isn't required in the first place - it's voluntary. The only requirement is that what is reported is accurate. Lenders can choose not to report if they'd like. There's nothing you can dispute there if they choose not to report payment amounts. If they were reporting your payment amounts as being something other than they are, that would be disputable as it would be inaccurate information.

The lender can make inferences regarding how you pay based on your reported balances. For example, if I have a $6400 reported balance on my card this month and next month I have a $2100 reported balance, it's clear that a significant payment was made. Was it in full? Not enough data to say, but it was significant. Over time, that data can be analyzied. Like I said, if a human being looking at those number can get a strong idea of payment history just by looking at those numbers across a credit report, no doubt that info is being fed into an algorithm that is doing a far superior job at it.

I'm also unclear as to how you're bringing TD and F10T into the discussion. TD looks at the trend of reported balances over time. It doesn't need to "see" payment amounts. If the trend is flat or downward, it's not problematic for F10T. If the trajectory is upward, the algorithm takes issue and a penalty would be imposed accordingly. For people that pay in full monthly, their trend will be relatively flat over 24 months. Some months higher, some months lower, but in general no major changes. Those that pay in full monthly are most likely to receive CLIs as well, so with greater limits that trajectory in terms of utilization percentage may actually be downward as TCL increases across the same reported balances.

Re: Citibank trended data Dis

AndySoCal — Wed, 25 Mar 2026 19:03:24 GMT

This is what I consider complete reporting of credit reporting. Your example of 6400 balance to a 2100 balance yes a payment was made. The question is what does the 2100 is composed of new charges only or new charges plus a residual month over month balance. The actual payment amount month over month removes that question.

Re: Citibank trended data Dis

BrutalBodyShots — Thu, 26 Mar 2026 04:00:48 GMT

I understand what you consider "complete" reporting. The point however is that it isn't required.

Like I said earlier, yes, payment history data monthly removes ambiguity in terms of Transactor vs Revolver behavior. It isn't truly necessary though, as lenders can infer behavior with enough data input. You don't need the payment amounts like you're suggesting to get more than a good idea of what's going on.

Re: Citibank trended data Dis

Thomas_Thumb — Thu, 26 Mar 2026 18:00:34 GMT

Trending reported balance(s) is not a valid way of determing revolver/transactor payment behavior. I believe the primary focus of balance trending in Fico and VS is aggregate - not individual accounts.

As discussed, monthly payment information does not need to be reported. So, trending it is useless.

On the other hand, minimum payment due is a required reporting field. By convention CC issuers all appear to set minimum due as a whole number (or $0) if there has been no balance carryover. This can be used as an indicator of transactor behavior over time.

If a balance was carried over, there is a 99% chance minimum payment will not report as a whole $ amount when interest is applied. So, minimum due can be a very good indicator of transactor/revolver especially when evaluated over time - so long as cents are not rounded to whole $ before reporting.

Re: Citibank trended data Dis

BrutalBodyShots — Fri, 27 Mar 2026 01:43:40 GMT

@Thomas_Thumb when a lender reports to the bureaus, do they report cents or just round them off? If they report cents, do they get rounded off on credit reports? Do we know either way?

Something like a monthly loan payment... $934.26. As seen on one's credit report, $934 is shown. Is that because the lender reports $934, or do they report $934.26 and what is displayed on the credit report is rounded down to $934?

Re: Citibank trended data Dis

Thomas_Thumb — Fri, 27 Mar 2026 02:18:10 GMT

This was discussed in another thread which you participated in. A poster in that thread, it may have been the OP, stated min due included cents as part of reporting when he carried over a balance.

I have never carried a balance and can't speak to that from direct experience. My reported balances and min due amounts only show whole numbers. Never bothered to find out whether the displayed balances were reported as a whole numbers or included cents that were truncated for display on reports. Of course, cents could be rounded to the nearest dollar for display but, truncation is simpler.

The format for balance reporting and min due is a good question. Best to pose it to someone who works or worked at one of the CRAs.

Re: Citibank trended data Dis

BrutalBodyShots — Fri, 27 Mar 2026 03:46:12 GMT

I don't carry balances either, so I don't have the ability to test.

On a fun, unrelated note @Thomas_Thumb, I decided to implement AZEO for the first time in 4+ years this month for testing purposes, as I will experience scorecard reassignment on April 1 (back to No New Revolver) so I wanted to test and see what my optimized scores were on a New Revolver scorecard. I'm 99% certain that 850 is possible on EQ8, 50% certain that it's possible on TU8 and almost certain that it is not possible on EX8 (bulletproof to AWB%). I've got 4 more accounts that will move to $0 balances in the next week, so we'll see. I was just wondering from your experience what sort of maxes you've seen on a New Revolver scorecard with an optimized profile, and if my earlier "guesses" above track.

Re: Citibank trended data Dis

Thomas_Thumb — Fri, 27 Mar 2026 04:35:35 GMT

The last time I opened a new revolving account was Nov 2011. First time I saw my Fico 8 score was Jan 2014. Score was 850 then but my newest account had already aged past 2 years.

IIRC, Fico 8 850s have been mentioned by atleast 3 posters with a revolving CC under 12 months age. I believe there have been 850s reported on each of the CRAs.

Re: Citibank trended data Dis

BrutalBodyShots — Fri, 27 Mar 2026 13:53:08 GMT

Good to know. I'm going to try digging a little to find those data points. If you happen to recall any threads where they may be and can share them, that would be appreciated.

Re: Citibank trended data Dis

radiofrequencies — Sat, 28 Mar 2026 17:28:17 GMT

@Thomas_Thumb wrote:

If a balance was carried over, there is a 99% chance minimum payment will not report as a whole $ amount when interest is applied. So, minimum due can be a very good indicator of transactor/revolver especially when evaluated over time - so long as cents are not rounded to whole $ before reporting.

Minimum payments show up on credit reports as whole numbers. My Citi card always has a minimum payment of $41 but I recently had a statement balance of $21.49 and my minimum payment was $21.49. The scheduled payment amount on my credit reports was $21.

Even though the cents aren't reported, transactor vs. revolver behavior can still be inferred by the "scheduled payment" field once the card has multiple months reported. If someone pays their statement balance every month, their scheduled payment will be the same amount month to month. If they make a partial payment and carry a balance over to the next billing cycle, the scheduled payment will increase.

Re: Citibank trended data Dis

NoHardLimits — Sat, 28 Mar 2026 19:22:54 GMT

@Thomas_Thumb wrote:
The last time I opened a new revolving account was Nov 2011. First time I saw my Fico 8 score was Jan 2014. Score was 850 then but my newest account had already aged past 2 years.

IIRC, Fico 8 850s have been mentioned by atleast 3 posters with a revolving CC under 12 months age. I believe there have been 850s reported on each of the CRAs.

I also have FICO 8 data beginning in 2014. For me personally, I have not seen 850 while on a "new revolver" scorecard. The highest new revolver score I've been able to achieve is 844 on EX. I have been able to achieve 850 with "no open loan".

Re: Citibank trended data Dis

BrutalBodyShots — Tue, 31 Mar 2026 00:28:06 GMT

@NoHardLimits wrote:
The highest new revolver score I've been able to achieve is 844 on EX. I have been able to achieve 850 with "no open loan".

That's interesting, @NoHardLimits, as EX should be the thoughest bureau to grab an 850 on since EX is bulletproof to AWB%. Where TU/EQ scores can be optimized via AZEO, that has no impact on EX. When you were at 844 on EX8 on your New Revolver scorecard, what was your AWB%?

I'm currently at 850 EQ8, 840 TU8 and 836 EX8 on a New Revolver scorecard. I'm not at AZEO or optimzed, but I'm not far off from it.

Re: Citibank trended data Dis

AndySoCal — Wed, 01 Apr 2026 00:38:08 GMT

Historically Fannie Mae is the one who asked the credit bureaus for the trended data. Specifically Fannie Mae wanted to know how a consumer managed credit card accounts.

https://nationalmortgageprofessional.com/news/57862/fannie-mae-begin-requiring-trended-credit-data-june-rollout-du-100

This will give the reason for trended data.

Re: Citibank trended data Dis

NoHardLimits — Wed, 01 Apr 2026 04:09:43 GMT

@BrutalBodyShots wrote:
@NoHardLimits wrote:
The highest new revolver score I've been able to achieve is 844 on EX. I have been able to achieve 850 with "no open loan".
That's interesting, @NoHardLimits, as EX should be the thoughest bureau to grab an 850 on since EX is bulletproof to AWB%. Where TU/EQ scores can be optimized via AZEO, that has no impact on EX. When you were at 844 on EX8 on your New Revolver scorecard, what was your AWB%?

I'm currently at 850 EQ8, 840 TU8 and 836 EX8 on a New Revolver scorecard. I'm not at AZEO or optimzed, but I'm not far off from it.

For my most recent F8 844 "new revolver" score card on EX:

newest revolver was 9 months old

accounts with balances was 5 of 12 (42%)

aggregate balance reported was $1508 (1% util)

Re: Citibank trended data Dis

AndySoCal — Wed, 08 Apr 2026 19:16:41 GMT

The result of the dispute was their credit reporting was accurate and the dispute comment would added the account in dispute would be added and I could add my statement to why. The implication was the dispute comment would remain after the dispute was completed. I responded I would drop the dispute and what you had chosen to report was accurate.

If you truly want to understand trended data you need to know why Fannie Mae and Freddie Mac asked the credit bureaus to provide them with that data. There is link earlier in this thread related to that.

Citibank going forward the card is locked and a zero balance. The card will remain that way for the foreseeable future. All rewards points have been converted to cash and has been transferred to my checking account. At some point in time I will request a credit limit decrease to 8000 to reflect 3% credit utilization if I use the card again.

Also, I if apply for credit in the future I will ask the lender on who they report the credit information ( Actual Payment Amount). My preference is lenders that report that field.

Re: Citibank trended data Dis

radiofrequencies — Thu, 09 Apr 2026 04:13:36 GMT

@AndySoCal wrote:
The result of the dispute was their credit reporting was accurate and the dispute comment would added the account in dispute would be added and I could add my statement to why. The implication was the dispute comment would remain after the dispute was completed. I responded I would drop the dispute and what you had chosen to report was accurate.
If you truly want to understand trended data you need to know why Fannie Mae and Freddie Mac asked the credit bureaus to provide them with that data. There is link earlier in this thread related to that.

Citibank going forward the card is locked and a zero balance. The card will remain that way for the foreseeable future. All rewards points have been converted to cash and has been transferred to my checking account. At some point in time I will request a credit limit decrease to 8000 to reflect 3% credit utilization if I use the card again.

Also, I if apply for credit in the future I will ask the lender on who they report the credit information ( Actual Payment Amount). My preference is lenders that report that field.

Do you think your FICO 10T and VantageScore 4.0 scores, the models that use trended data, would be higher if all accounts reported actual payment amounts? I don't think that is the case. Those models are able to determine your trend by looking at aggregate utilization and the scheduled payment field. When an algorithm or human reviews your credit reports, they are able to tell if you carry balances using the scheduled payment field. Fannie Mae wants access to actual payment amount to use in their Desktop Underwriter product, but it isn't necessary for assessing your creditworthiness.

If your scheduled payment is same low amount every month, then you pay off your statement balances in full. As long as you are letting your statement balances report and not paying them down before your statements are generated, any process that reviews your credit report will know your monthly spend. Those that practice AZEO are hiding their monthly spend and making it look like they barely use their cards. Some banks have chosen not to report the actual payment made because they felt it gave other banks a competitive advantage. For example, if someone practices AZEO and the actual payment amount is reported, lenders are able to see how profitable that customer is and try to poach them through targeted offers.

Since you are letting your statement balances report and then paying your statement balances in full, I don't see what you're missing out on when a creditor chooses not to report actual payment amounts. I also don't understand why you would decide to cease using a card, one that you previously found value in using, just because actual payment amounts aren't reported. If all lenders stopped reporting actual payment amounts, would you stop using credit cards altogether?

Re: Citibank trended data Dis

AndySoCal — Thu, 09 Apr 2026 22:22:13 GMT

@radiofrequencies @I have seven credit cards and six them report actual payment amount. For me Citibank is the only one that does not. This is no surprise due the CFPB report see link below

https://www.consumerfinance.gov/about-us/blog/why-the-largest-credit-card-companies-are-suppressing-actual-payment-data-on-your-credit-report/

In December my FICO 8 score versus Vantage 4.0 the Vantage was was higher by 15 to 20 points. Now the difference is Vantage Score is 5 points higher possible cause is FICO 8 score has not inquires the Vantage score 4.0 bureau has one inquiry. As to your question if all of my cards reported the actual payment amount would my score higher I do not know and have no firm basis to answer that question.

One test will be when Citi reports a zero balance and a zero actual payment made does that change the score.

The purpose Fannie Mae asked the credit bureaus for the credit trended data is to gain insight as to how the consumer manages their credit cards. This gives Fannie Mae a way to check does the balance in month 1 and the actual payment amount in month 2 match. This works if the balance reported is the statement balance and not a balance on a certain date. In cases where they are both zero does this mean that the card was used and paid before thecstatment date or not used at all. You are correct the data is available to the underwriting engine to use. If it is being used and its impact I cannot say for certain. But question would remain why would they ask for the data and not use it.

Any card that I am not actively using as a rule I will freeze the card. I did not use the card during the dispute. I will keep it locked to give me time to think how I want to move forward with this card.

Edited to add

If all lenders stopped reporting actual payment amount would I stop using credits? The answer is no. I do not like to carry much cash plus a debit card is linked to the checking account. I do not want that bridge to my checking out where hackers can possibly get the card number.etc.