Originally Posted by
myles
data set is really a snapshot in time - as a whole, it can't be built on because it will potentially contain 'stale' loan data. To try to explain: If someone uploads a particular loan that no one else has in the initial data set, and then never uploads again, then that particular loan will just sit with no further detail updated - it will become 'stale' and impact on the data set.
The dates stored with the data i.e. LAST_PAYMENT_DATE, don't allow, with confidence, for these 'stale' records to be removed (they may just be in arrears). ...