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 s

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. ;)