Yes, this. Having a balance report on a revolving tradeline over a period of time can be beneficial as many credit scoring models do account for usage patterns.

This is really about GSE’s such as Fannie being desperate to pump mortgage originations back up to pre-2008 levels, so they are grasping at air with these creative schemes to find more “qualified” buyers. The real problem is that home prices, especially in coastal urban markets, need to come down, but there are way…