"Knowing how a consumer is managing credit at a single point in time only tells part of the story. By looking at historical payment information through our trended data attributes, we can see how a consumer uses credit, or pays back debt over time, to create a more accurate risk profile," added Wright.

https://www.prnewswire.com/news-releases/new-experian-credit-score-may-improve-access-to-credit-for-more-than-40-million-credit-invisibles-300953246.html