A point-in-time check on credit prospects’ risk scores might reveal individuals with identical scores but would not show, for example, that someone had $5,000 in balances generated by making only minimum monthly payments on all charges owed over many months, while another with $5,000 in balances was paying off $5,000 in full every month. Credit card issuers waste time and money sending the same new card offer to both people. Credit bureau and analytics firm Experian has launched Extended Trade, a new product within its Credit3D suite of credit risk management tools. Credit3D broke the exi...