“It tells you what is going on before you dive into the credit report.”

“It kind of takes the blinders off—I can make a more informed decision on a marginal loan. A lot of underwriting government loans is about: are they managing money well enough to handle a payment shock? This tells you that at a glance.”

“It gives a good picture to look at for the borrowers before you get into the files. It shows you what to look for in the trended data in the report. Before you start underwriting it, you have a general picture.”