Good news for IR customers using CreditXpert: credit reports up to 45 days old can now be used for score modeling (previously limited to a 30‑days or less).
Based on client feedback—and after confirming that credit data remains reliable for score modeling for up to 45 days—IR has updated our validation window accordingly. This change gives clients greater flexibility when generating score plans and may help reduce unnecessary re-pulls of credit data.
This update has been applied for all IR CreditXpert users automatically; no action is required to take advantage of the extended modeling period.