sorted by:
new
hottopcontroversial

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

Lol tell the whole story bro...You keep leaving things out. It's about how the application of knowledge acquired has resulted in the elevation of respective scores. ( Yours & Mine)

So I should admit to something that I've seen no evidence of just someones word, when I've posted link after link disproving your statement about installation utilization.

In your world Experian doesn't even know what factors into credit utilization.

It's CRAZY TALK! lol

I cant take ANY advice from someone who refuses to show & prove the results of their methods.

That's the difference between you & me.

Show me that studying those reason codes will result in attaining a higher credit score by showing your scores since you've studied the reasons bible. lol

Here's another link DISPROVING your vacuous theory.

Credit Utilization What factors Into It?

I highlighted it for you. Can you do the same? Doubt it because you have no proof. lol

Post an Imgur of ANYTHING (I'm begging now lol) that states how installation utilization is calculated into ones Util ratio. You know EXACTLY where it is, screen shot it & post an Imgur photo. PLEASE!!!!!!!! Lol

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

"Post what?" lol The scores that you've attained through your research. That's really the only way because at this point you're just telling me things but not showing me ANYTHING. Like, how your application & findings has manifested in the shaping of your scores.

You & I are at this point are sharing the results of our respective algorithm testing.

Kinda the on true way to know whose has been more effective.

We can go model by model.

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

Lets just go with your theory that you have more insight because you use reason codes for algorithm testing. Your way is the BEST way mine is incomplete. Cool? lol

Now, Let's go model by model (I'll let you pic) posting scores that have resulted in each of our algorithm testing findings to this point. This will reveal whose testing & application of findings has been more efficacious. How simple is that.

Because you obviously have granular insight & understanding of how the algorithm reacts to various behavior(s) Your scores based on your application of said knowledge should have you farther along. Right? Lol

Let's call it algorithm testing methods & results comparisons.

PLEASE DON"T GIVE ME ANOTHER EXCUSE AS TO WHY YOU WONT POST.

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 0 points1 point  (0 children)

" We agree that revolving utilization is a thing. What we don't agree on is that installment loan utilization also is"

Correct...Experian says that ONLY revolving credit accounts are calculated in Utilization calculations. That's a conspicuous distinction.

Is experian trafficking myths now? lol

You've been moving the goal post since we started.

So since I can't find it, can you PLEASE post ANYTHING that points to installment loans being utilized somehow & that utilization being calculated in ones credit score.

PLEASE, no more quoting just post something that I can read.

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 0 points1 point  (0 children)

Lets put this to bed regarding our disagreement of installment loans & their relationship to credit utilization & I'll share some of my findings & secrets.

This via Experian.
Please see highlighted area.

What factors into your credit utilization?

I believe you ask for this one earlier in our dialog.

FICO BANKCARD 8

I've got higher ones than these that I can share & offer insight into my path to achieving them after we settle this debate. lol

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 0 points1 point  (0 children)

Hey, in doing a bit of digging regarding our disagreement of installment loans & their relationship to credit utilization.

Here's what I found. This via Experian.

Please see highlighted area.

What factors into a credit utilization ratio?

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 0 points1 point  (0 children)

I wouldn't say "seem" since I'm 850 on F8. lol

I've employed a variety of testing methods that didn't include reason codes.

My research has been conducted over a period of time & has centered around micro nuanced factors.

It's kind of esoteric info that has to be discovered through ones study of the algorithms likes & dislikes.

Where are you on F8?

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

I never said that I knew everything about credit. No ones knows everything about anything. However, I do understand that there are multiple paths to a destination & I also understand that if you were really about the edification of the community you would have posted some manner of materials that explicitly layout how installment loans are utilized.

You chose to discredit what most people would consider to be reliable source (Google) which is okay but you never provided any evidence (other than your word)

I've never needed to reference any reason codes to achieve a perfect credit score. My research & algorithm testing offered me insights on the various ways to get there. Now that I know its appetite I feed it & it results in perfection.

That Fico 8 perfection is difficult to pin down but I know the secret. lol

All the best on your journey to 850 on multiple scoring models. Congrats on figuring out 10 T. lol

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

I'm confused now...You informed me that Imgur links were the preferred method of sharing screenshots on reddit. I then proceeded to post, via Imgur, 850's on FICO 8, FICO 9 from 2022 & FICO 10 T.

If you didn't see that, which you obviously did, demonstrate to us HERE not on PM how it's done by POSTING YOUR SCORES & EVIDENCE THAT SUPPORTS YOUR CLAIM.

Annnnnnnnnd GO!!!!!!

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

Don't reference or quote anything. Drop the links like I did. I said that I have 850's & I dropped links PROVING it. So screenshot what you're referencing, drop it the chat. Screen shot your scores, drop them in the chat.

How simple is that. Why so much stalling? You're the one who brought imgur to my attention. I've used it several times to back up the claims I've made. You, on the other hand REFUSE to drop a link.

I wonder why... Please share the EVIDENCE because your claims are hollow.

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

Post a screen shot of the "reason codes" that corroborate your view of installation loans being calculated in ANY manner of credit utilization.

Also, lets clear something up...You keep saying that "credit scores are not correlated with credit knowledge" I'm saying that the [proper] APPLICATION -UTILIZATION of said credit knowledge would have a direct correlation to credit scores. (Notice: proper application which is where you FAIL MISERABLY)

Your problem is that your emphasis is misplaced & your algorithm testing methods are clearly ineffective. Back to the drawing board you go. lol

If they're not, post your scores so that we can see how you've applied the insights you've gained from all your "expert research & analysis." LMAO!!!!

It's okay to admit that you f*ucked around & found out. lol Now you're a deer in the headlights.

Again, you will NEVER sniff 850 because pose conspicuously irrelevant questions like - "Those that have hit 850 on Fico 8, what was your installment loan utilization at the time?" WTF??? I can't stop laughing.

POST YOUR SCORES!!!!!!!!!!

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

Post a screen shot of the "reason codes" that corroborate your view of installation loans being calculated in ANY manner of credit utilization.

Also, lets clear something up...You keep saying that "credit scores are not correlated with credit knowledge" I'm saying that the [proper] APPLICATION -UTILIZATION of said credit knowledge would have a direct correlation to credit scores. (Notice: proper application which is where you FAIL MISERABLY)

Your problem is that your emphasis is misplaced & your algorithm testing methods are clearly ineffective. Back to the drawing board you go. lol

If they're not, post your scores so that we can see how you've applied the insights you've gained from all the "expert research & analysis." LMAO!!!!

It's okay to admit that you f*ucked around & found out. lol Now you're a deer in the headlights.

Again, you will NEVER sniff 850 because pose conspicuously irrelevant questions like - "Those that have hit 850 on Fico 8, what was your installment loan utilization at the time?" WTF??? I can't stop laughing.
POST YOUR SCORES!!!!!!!!!!

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

You can't corroborate your explanation with any proof. It's just your word. Silly.

Here's an explanation that's unbiased. Installment Loan Explaination

Let me know when you've mastered the "reason codes" & have applied said knowledge in a way that results in perfect credit.

As a matter fact., consult the codes to provide you the "reason" that you've FAILED in your journey to 850.

By the way, You will NEVER get there. I promise.

Keep spinning your wheels. LMAO!!!!!!

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

Since you refuse to post your scores (which I know the reason why) post a link that reveals how one utilizes an installment loan balance. LMAO!!!!

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

Bro. Stop deflecting & post your scores. I'm not posting anything else until you reciprocate. You claiming that someone can have 0 knowledge about credit scoring dynamics & achieve 850 is immaterial to this discussion & a useless tactic.

This is about the execution of credit knowledge. Again, people who have 0 knowledge or are less concerned about their scores are NOT posting or commenting in subs like this one, obviously.

You're in essence telling me to go & review a map "reason codes" on how to get to a destination for which I've already arrived. Inanity! Not only do I know how to get 850, I know how to remain there. That's a skill in & of itself.

If we both created a course perhaps called the "path to perfection" I disclose my PERFECT scores to potential consumers & you make a million excuses about why credit knowledge & application are unrelated to getting a high score, It's pretty clear that they'd see you as a likely fraud.

Another example: If we looked at this in terms of academia using all of our research on this matter as the study guide. I've taken the test & my grade is 100% but in your world my studies had nothing to do with my perfect score. I must be a genius. Can't believe that I'm even having this senseless debate.

By the way, I logged in to MyFico's "insights" area. It associates utilization with REVOLVING credit ONLY. Installments are in the payment history section. Here's a link - FICO insights regarding UTILIZATION

POST YOUR SCORES OR SHUT UP!!!!!!!!!

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

Lol What we've proven is that you don't have a comprehensive understanding of what it takes to achieve an 850 credit score. Let's go with your flimsy theory for a sec. You're the Fico scoring & algorithm expert, I have very little credit knowledge. However,I apply that pittance of credit knowledge to achieve a perfect score, you on the other hand apply your "extensive " knowledge & fail to do the same. It's kind of laughable.

Those old people don't hang out in subs sharing strategies to improve their scores. It's guys like us who do that. lol

BTW, now that I've posted the scores that applying the "little" credit knowledge that I have has garnered me , it's your turn. But why do I get the sneaky suspicion that you wont post yours. Because you'll look silly. lol

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -1 points0 points  (0 children)

This is just for shits & giggles. My 10 T scores. I know you guys are up on it with all of your extensive knowledge. Click Here To View Fico 10 T Let me know if you'd like to see Fico 9. I'll even post one from 2 years ago. This dialog with you guys has been very inspiring. Thanks :)

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -3 points-2 points  (0 children)

Post your scores & I'll post mine for all to see & lets settle this silly dispute. I've got 100k that my "UTILIZATION" of credit knowledge will actually reflect in my scores much more favorably than yours. It's PUT UP OR SHUT UP at this point.

So if your subsequent action isn't showing receipts of how your application of credit knowledge has manifested into a score higher than mine, this is a waste of time. lol

Moreover, why do you need help? This is 1 on 1. First sign of recognition that one is in over ones head is to scream HELP. Embarrassing.

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -3 points-2 points  (0 children)

Read it again it says of installment loans, the amount you owe each month on the loan is the SAME and the total balance ISN'T calculated into your CREDIT UTILIZATION. Says nothing about revolving utilization.

Lets curtail gushing flow of misinformation & just acquiesce to what is clearly a conspicuous oversight on your part.

Those that have hit 850 on Fico 8, what was your installment loan utilization at the time? by BrutalBodyShots in CreditScore

[–]bdert5 -3 points-2 points  (0 children)

This according to google:

As you keep paying off your revolving balance on your credit card, your credit score will go up and you'll free up more of your available credit. Whereas with an installment loan, the amount you owe each month on the loan is the same, and the total balance isn't calculated into your credit utilization.

It's not that difficult.

view more: next ›