Originally Posted by
josephstern
I think his/her point is, if this were very valuable info, the CRAs would work with the banks to capture it and enhance their models.
This is not true. There is a set of rules between government, CC banks and credit bureaus on consumer credit card info reporting. It is not easy or easy for CBs to ask CC banks to report more data. They will certainly get push back since banks want to keep the data to themselves. It is not just important or not. Who gets to decide what is important?
CL cycling is not common and normal people do not do it. It is not necessary for the three parties above to change the reporting rules just to catch the MSers who are less than 1% of the CC cardholders.