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you should follow a statement like this with some links mate :)

• infecto 2y ago
  Not your mate but the OP already posted links to Fred which is where it’s public. I am sure moodys used some internal data but Fred delinquency and late rates should get pretty darn close. This data (credit card related) is not unique but I can see it’s not entirely obvious for folks like yourself that are not familiar with it. ;)
  • bdangubic 2y ago
    again - no links… :)
    • deleted 2y ago
      [deleted]