Reddit Posts
Do you prefer companies with high but predictable recurring ROCE, or companies with low prices and high uncertainty?
Credit Scores? FICO already halfway to the moon
What are your thoughts on concentrating your positions?
SoFi outlook for 2024 with particular attention on interest rate hikes and Tech Platform Growth. Happy Thanksgiving to everyone!
REgards! Below but Average joe here. This is the first time I am asking advice on what to do with my money here. My CC's just gave me loans.
Fair Isaac Corp. [$FICO] this stock will clobber the market in the next decade
$DSC - Where there is smoke there is fire
Inflation came in at 3% YoY (.1% MoM) and core came in at 4.8% YoY (excludes food and energy).
June CPI rose 3.0% over the last 12 months vs the expected 3.1%
Supreme Court decision on Loan Forgiveness favorites Private Student Loan Lenders.
$UPST SHORT SQUEEZE is right there for the taking
April CPI rose 4.9% over the last 12 months vs the expected 5%
What’s your opinion on Fair Isaac (FICO) stock after being added to the S&P 500?
Hot Stocks: LCID leads EV stocks higher; FICO rises on earnings; STEL, HAS drop
$RICK strippers have good credit. $FICO low P/E
Stocks making the biggest moves after hours: Bumble, Rivian, Dutch Bros, FICO and more
Average FICO scores - consumer credit cards (770), auto loans (789), new mortgages (768), and home equity lines (792) - VERY STRONG
Which is the best SOFTWARE stock to buy now for the next 5-10 years
Luck vs. Talent: Analyst Estimates for Individual Equities & What it Means for Stock-Picking
Why is the FHFA contemplating change in credit score methodology?
Short Squeeze opportunity of 2022 - High Short Ratio + Market Mispriced + Solid Business + High Growth
MBB, a triple A rated MBS ETF, has crashed and made a new all time low under the 2008 housing crash. Worst quarter performance ever by far. Mortgage departments everywhere seeing layoffs. And as a bonus, Fannie Mae executives are jumping ship!
FOR THOSE THAT ACTIVELY BUILT CREDIT FROM NO CREDIT HOW LONG DID IT TAKE TO GET A 700, 750, AND 800 (IF APPLICABLE)
$SOFI - Undervalued. Oversold. A screaming buy.
You hated my last DD, so here’s another! This time it’s Upstart
Looking for 4 traders to fund and operate a fund. DM are welcome.
My thoughts on $KPLT and why it can be good opportunity for huge returns with low risk(already at the bottom). Earnings on 11/9 pre-market
SoFi vs. Upstart vs. LendingClub - Looking for a Fintech Stock
The Weekly DD - Upstart (UPST) Full Stock Analysis: A potential FAANG?
The Weekly DD - Upstart (UPST) Full Stock Analysis: A potential FAANG?
The Weekly DD - Upstart (UPST) Full Stock Analysis: A potential FAANG?
Impending market crash? My Musings - For discussion
Still plenty of room on the $UPST rocket - should hit $200 soon
There's still time to get in on the UPST 🚀
FICO, WSJ: banks and lenders moving away from the FICO score and to their own proprietary data that predicts if borrowers will repay loans
Tools used as weapons to monetize Billions & generate hundreds of millions every year at Drive Shack $DS aka per www.driveshack.com Dec 2016 Shareholder presentation by Wesley Edens, Chairman of DS aka Newcastle Board. Fortress split of $NRZ&SNR sold for 2.3B before name chg. $NOVC must be next.
Listen Up Smooth Brains. Stop Chasing Meme Stocks that Already Peaked (GME AMC WISH CLOV) and Get in Early for Once. KPLT is a $30 Stock Trading for $11. Load Up. DD Below.
Listen Up Smooth Brains. Stop Chasing Meme Stocks that Already Peaked (SPCE, GME, AMC, CLOV, WISH). I have an $11 Stock That Should Be $40: Katapult (KPLT). Get in Early on the Next Rocket Ship.
Credit score industry being disrupted by Upstart Holdings as it uses artificial intelligence to improve predictive models
KPLT game very strong potential trading at a discount
KPLT Is a $25 Stock Trading for $11. Buy It. DD Below.
$KPLT is a $25 stock trading for $11. Load Up and Read my DD below.
$KPLT Is Dirt Cheap after DeSPAC and Recent Earnings. Read my DD Below
Is there a serious liquidity problem in the country right now despite inflation?
Katapult Holdings, Inc: The sleeper Affirm competitor that just went public and already makes more money yet trades at more than 10 times cheaper. NOT a short squeeze - an undervalued, long term play in a sector experiencing rapid growth.
CCS/Lennar -Like Good God CCS is making me hot and bothered, or if you want a short term play Lennar
NrdRage's Friday DD v. 2.0: Now with more nebulous to deal with IB fuckery. Oh, and we're gonna talk about how good Chick-Fil-A Lemonade is ($LMND)
Upstart Holdings, a good company with good tech, is being attacked
Rkt and Uwmc are extremely undervalued
UWM looks like it could be a good value play for long-term investors. The company's shares are significantly undervalued at the time of writing.
My Update on UWMC: The Equivalent of Counting Cards at the Blackjack Table Baby, or Why are ya'll tripping on this fine Stock?
UPST (AI/ML enabled consumer lending and risk profiling)
Mentions
Gold and bonds are traditionally considered hedges for some situations. If you want to hedge with stocks then: CME, CBOE, FICO are the ones that could possibly offer protection in a crash or major downturn. BRK - I consider defensive but not a hedge. There is no single hedge that can protect in all situations.
I’m making considerably more in the market and when o have debt it’s higher than my mortgage rate which I can deduct therefore paying off my mortgage doesn’t apply to me. Even if I didn’t trade I’d focus first on paying off higher rate debt such as auto, home improvement, store credit cards and first and foremost credit card where I want to keep near zero balance end of month. Leave just under 5% to help build FICO otherwise I’m not paying down mortgage until all others solved first.
Carvana hasn't publicly sold subprime since their 2025-N1 issuance. In the past they issued prime and subprime ABS notes at about the same frequency; they've issued 4 prime notes this year, so they've probably issued 1 public subprime note and 3 through Bridgecrest/their other secondary buyer that they won't disclose. The delinquency rate for all their notes are within the models for Morningstar/S&P Global but they rate their prime/subprime transactions based on internal metrics ("Deal Score") rather than FICO. Their prime issuance No FICO loans shot up from around 0.1% (I think?) prior to 2025 to ~3-5% this year, depending on the set of notes you're talking about (~5% in 2025-P4, ~3% in 2025-P5, I think?) All this to say is that their lending standards have declined drastically this year. Not sure how long it will take for subprime car loans to go bad vs. subprime MBS but they sure are playing the game!
My worst is being down 15% on EFX due to FICO’s new strategy
Fair play, I'll updoot you so you can keep your karma FICO score up
I am impressed that you saw the 3-5% no FICO stuffed in the latest prime ABS deal as I short this name for work and honestly some of my ABS colleagues didn't even know that! Always amazed by how well bid this name in the past 12 months even with the shit fundamentals in subprime consumer and used cars market
Bull case is that they are able and willing to sell a used car to literally anyone. They have a good network of used cars that can be flipped and shipped, and a large inventory of used cars to pull from through their wholesaling network. They make it relatively easy and painless to finance a car purchase online by a simple income verification, which is preferable to low income and young buyers with iffy credit. The bear case is that they are financing almost anyone that can fog a mirror - they boast a 99% approval rating and only require you to prove you make at least $10k annually. While CarMax had to write down some of its used auto ABS last quarter, Carvana has not - which is a "miracle" considering that Carvana stuffs its prime ABS with 3-5% No FICO loans, something that CarMax has not even approached. And that's only the prime ABS arm that Carvana reports because it's sold publicly - the subprime arm, which was too toxic for Ally, is being bought by 2 (3?) unknown financing sources which they do not disclose terms on that Hindenburg has alleged are owned by parties related to Carvana CEOs, including former tomatoe enjoyer Dan Quayle. Meanwhile, the subprime used car ABS market is shitting the bed - delinquencies at actual all time highs, and 2 other subprime lenders have already gone BK, at least partially due to their own fraud.
$FICO Has been trending opposite as a rotation… yay or nay?
the FICO ai pump just getting started ?
FICO just won’t cooperate… Why does it not follow any trends what se ever. This stock is bogus!!
FICO just has to be the beacon of hope.. Didn’t budge due to market sell off. Just my luck. Been holding a few outs at 1720 for almost 10 days.. this stock has been just flat. Two thumbs down!
Send FICO the message..
Can we tackle why won’t FICO tank like the rest of the market… goodness gracious!
$FICO just can’t get with the damn program.. 2 days this week there’s been a selling frenzy, doesn’t budge plus or minus 1.5%…
FICO 861. Do better.
When I started investing and had no clue about valuation I put some money into FICO and Costco. A couple days later I sold after learning the basics of valuation. A complete noob could spot overvaluation, a slight dip won't bring it down to far value. The multiple expansion is way too much risk unless it corrects.
Trump wants to end the minimum FICO score for a federally backed mortgage. Fucking A, did we not learn anything from 2008?
Why is my FICO higher than yours?
I was off the sub my bad. This place can get toxic during corrections. KNSL, MOH, AXON, SE, and FICO are a couple names I am looking at. From type where you get downvoted into oblivion for mentioning DKNG, CAVA, and NBIS.
I hit 800 FICO credit score, now time to pull a fast one on the banks and pull out a couple million to gamble with
To prevent home prices from falling and making homeownership more affordable, Fannie Mae just eliminated its 620 FICO score minimum so it can guarantee riskier mortgages to borrowers with bad credit, enabling them to overpay for expensive homes they can’t really afford. No IPO.
The FICO 🥷s slowly crawled me to 810 where its now pinned after a couple of years. Was like +5pts every month until it reached 810 tp
Sezzle doesn't lack credit checks. Do you think they're stupid? They have their own proprietary models to check credit. They have proven it's better than FICO score at identifying who will actually become a profitable customer for Sezzle. This is all available in their investor presentations and is the key reason why they've managed to grow so much without taking on delinquent customers into the platform. The way sezzle works is very different from normal credit card companies and also quite different from typical BNPL.
FICO reporting tonight, already -8%, so i guess they missed lmao. Didnt search for their numbers, but im assuming its not good. Call is later, maybe they can salvage this.
> Robinhood offering mortgages Primary residence Detached single family home FICO score of at least 780 Loan-to-value (LTV) of 75% No other agency Loan Level Pricing Adjustments (LLPAs)
Yeah but he was able to pinpoint a quarter that everything would come to a head in The Big Short based on FICO score and delinquency rates or some shit like that
Most FICO scores cap at 850. You must be talking about an older model... or a Canadian one.
Market breadth is non-existent. I can see where money is being pooled from. Some of my quality holdings like FICO, SPGI, CSU, etc. are down by high amounts, while GOOG & ASML continue to rocket up.
CVNA is just dumping cars to zero FICO lenders and I guess praying that the autopocalypse doesn't absolutely kill them? CVNA Auto Receivables Trust 2025-P3: "The percentage of Receivables with obligors that did not have a FICO® score at the time of application was approximately 4.66% based on the Initial Pool Balance." Dated 9/16/25 CVNA Auto Receivables Trust 2025-P2: "The percentage of Receivables with obligors that did not have a FICO® score at the time of application was approximately 3.21% based on the Initial Pool Balance." Dated 06/10/25 45% jump QoQ in non-FICO lending in their *prime* ABS arm
She's a 10 but her FICO score is 450 and she lives in a trailer.
Totally agree. I have written about $FICO as well in my substack.
#TLDR --- Ticker: UPST Direction: Up Prognosis: Buy shares, this is a long-term structural play. Thesis: Upstart's AI unlocks a massive, untapped market of "credit invisible" people and those trapped in credit card debt that traditional FICO scores ignore. They are creating a new market, not just fighting for a piece of the old one. Key Risk: Their partner banks are rate-sensitive. High interest rates can slow down loan funding even when demand from broke people is high.
competitive landscape is always changing, doesn't mean FICO is getting any weaker. In the same way you and I are talking in english, institutions use FICO scores when selling/buying debt. As an example, toyota uses VS to originate their loans internally. but when they discuss it with institutions, they have to switch it to FICO, otherwise no one knows what they're talking about and no one is going to be the first person that says "hey why don't we use VS even though 98% of securitization uses FICO". Inertia is always superior when it comes to financial institution.
Okay but why was this not the case before? Because FICO faces competition. That’s why.
$UPST- AI based lending is the future and FICO will be history
i didnt wanna get too technical but here's the more in depth version There are 4 parties at play. FICO, CBs, Resellers, and Banks (end customer). FICO provides the algo to CBs, CBs provide consumer data + FICO score (generated by using the algo from FICO) to the Resellers, Resellers then give this to Bank. With the direct licensing model, Resellers get the consumer data from CBs and the FICO score from FICO. This matters because like I mentioned, CBs provide double the price of the FICO score for a 100% margin. By bypassing the CBs, the CBs lose a huge revenue stream while decreasing the price for Resellers and Banks. In addition, FICO gets a more personal relationship with Resellers, allowing them to increase their prices at will. Previously: FICO sells score to CBs for $5, CBs upcharge to $10 (100% margin for no work), Resellers buy for $10. Now: FICO sells score to Resellers for $5 + $33 should the loan be underwritten, or just sells score for $10. From the Reseller's perspective, nothing changes or the score just got cheaper.
Why would FICO do this to me
Mark Cuban backs credit card for low FICO people that uses your car (even if not paid off) as equity. 30% APR. Lmao. A depreciating asset, with competing title liens, to serve as equity? Lmao. Bubbles got a while to go.
The sportsbooks vs. prediction markets dynamic kind of reminds me of the Uber vs. Waymo debate a few months ago. Explaining why Waymo wouldn’t actually put Uber out of business took a lot more work, while the sentiment clearly favored Waymo. Same deal here — sometimes the deeper argument doesn’t get much traction even if it’s the more realistic one. In this case, prediction markets aren’t going to put DraftKings, FanDuel, or Vegas out of business. I’m buying DKNG after it tanked 30% in three weeks. It feels derisked, similar to how I felt buying FICO in the 1300s.
Im not sure why my comment got downvoted into oblivion. Prediction markets threat isn’t as big as I initially thought once I learned more about it. I’ll keep this brief. Sports betting is you against the house (like DraftKings, FanDuel, etc.), while prediction markets are you against other people. The main issue with prediction markets right now is liquidity of the less popular events humans dont want to lose money. Sports books are ok losing money since they feel with enough volume it favors the house. I also bought FICO, APO, KKR, RDDT, and ARE five other stocks I’ve been following. FICO has its own battle it them vs the Credit Bureaus and Equifax.
Just been quietly buying stocks that had pullbacks like FICO, APO, KKR, RDDT, ARE, and DKNG.
Anyone keeping up with the credit score drama? FICO vs EFX?
DCA'd into FICO and RDDT.
My girlfriend is a fn regard to the fullest. She bitches cause I tip whenever we eat out. Be fn grateful I'm feeding you for free. But no, she has to go on about how I tip. BUUUUUUUUUUTTTTTTT, this fn bitch has no fn problem giving shit load of money to church every Sunday. I should dump her but her ass is irresistible and her FICO score is almost 800.
**SOFI**Don’t get bid up by one analyst. Q2 SOFI has already clarified their delinquency rate. No weakness. Personal borrower avg income 161k, avg FICO score 743. Q3 coming
I did not think FICO would rebound this quickly, let alone start to peel itself away from the credit bureaus like this. I'm not sure how to even model the pricing strategy moving forward yet. More to come during earnings I'm sure.
Pulte's comments on the work FICO is doing to me are pretty funny. It feels like a check cleared more than anything else.
Anybody holding any of those 1,000,000% gains FICO calls? Asking just so I can report you to the SEC
Thanks for the clarification/correction, would have been more accurate to say alternative scoring in addition to a base FICO score.
TIL FICO stands for Fair Isaac Corporation 🤷🏽
FICO broke 1550 and up 24% sheeesh
There was actually limited discussion around FICO at the time on this sub. UNH/healthcare was one of the more common discussions.
Holy shit, what’s going on with FICO? Up 26% this morning at time of writing.
Wish I had more FICO. The August ‘no moat’ sentiment spooked me, so I only went 2–3% instead of 5–10% portfolio when it was in the 1300s.
Buying EFX on the dip. They'll just charge FICO more on the credit data they provide them to compensate for the loss.
I tried making a thread that better explained what took place. It got removed. So will post it in here > Fair Isaac Corp's shares jumped in premarket trading on Thursday after the U.S. data analytics company said it would license its credit scores directly to mortgage resellers, raising concerns of margin pressure for major credit bureaus. Shares of Experian, Equifax and TransUnion tumbled as the move could curtail the intermediary role of the credit reporting companies. FICO score, created by Fair Isaac, is a U.S. credit scoring system used by nearly 90% of lenders to evaluate a borrower's creditworthiness. The higher the number, the lower the risk of default. > Fair Isaac said direct access to FICO scores for lenders and mortgage resellers would increase competition and bring price transparency. "This new distribution model will allow lenders to avoid paying the current about 100% markup the credit bureaus currently charge for the FICO score," analysts at brokerage Raymond James said. Experian shares were down 8% in London. U.S.-listed Equifax fell 12% in premarket trading, while TransUnion was down 11%. "It implies that this would cut out the margin that the likes of Experian and Equifax make on the FICO credit score," Citigroup analysts wrote in a note. "Our initial reaction is this is negative for Experian and Equifax." [Source](https://www.reuters.com/business/shares-credit-bureaus-fall-fico-rolls-out-direct-mortgage-score-licensing-2025-10-02/)
FICO is going crazy
FICO said it would license its credit scores directly to mortgage resellers.
FICO said it would license its credit scores directly to mortgage resellers. FICO was on my watchlist and I bought it during the August dip. It interesting as the FICO dip was over them having no moat once competition opened up in their sector.
Pretty significant move up, but a bit of a head scratcher since the total volume of pulls will be the same. Not obviously why this makes FICO 19% more valuable.
[Fair Isaac](https://www.cnbc.com/quotes/FICO/) — The stock rallied 19% after the company unveiled a system that allows mortgage lenders direct access to FICO scores.
I sold FICO for EFX a few weeks ago lmfao
So FICO is up 18% in premarket? apparently they launched some platform to bypass the other guys or some shit. I sold TWO DAYS AGO, to 'prep and trim for the shutdown", and i thought, well im still smart, housing market sucksass, 10 year is going up, mortages going up, yesterday bad data from mortage association whatever. WELL I CAN STILL EAT DICK +18% GOODBAI
FICO is finally back on track
The lion is not concern with FICO score. The lion maxes out all his cards to buy calls till
Any day now FICO will break 1550
Carmax moved a ton of their riskiest subprime auto loans off their balance sheet the past several months. In sept, they sold a $900M subprime security to outside investors with 608 avg FICO scores, over half being 67-71 month loans. Thats all now off CarMax’s books, which makes alllll the numbers look cleaner but the credit risk hasn’t gone away, --- it’s just hiding in the ABS market. 20% drop might not be enough.
Carmax moved a ton of their riskiest subprime auto loans off their balance sheet. In sept, they sold a $900M subprime security to outside investors with 608 avg FICO scores, over half being 67-71 month loans. Thats all now off CarMax’s books, which makes alllll the numbers look cleaner but the credit risk hasn’t gone away, --- it’s just hiding in the ABS market. 20% drop might not be enough.
The stock has corrected like crazy in a relatively short timeframe, hit IMHO the resistance and has targets in the mid-80s. If their business model works (which should, FICO is a bad joke in 2025), they are a likely bargain at $61.
Damn look at those FICO scores. Email this to Michael Burry ASAP.
1. You just described the MLS bro, well done. Open is going to build a product that already exists and is deeply embedded in the real estate ecosystem? Okay. That’s like trying to replace FICO. 2. P/s is in general a terrible metric and even worse for this kind of business. Their p/s is 1 because they are literally buying homes at their cost and reselling them above cost lol. Hence p/s of 1 I used to invest in real estate. Trust me I am trying to save people money on this one
sounds like those shady dealerships that'll get you approved with a 200 FICO score lol
Oh, now FICO is another mandate. Fuck this. - JPOW
Last chance to get in on FICO under 1600
>#Credit scores are falling at the fastest pace since the Great Recession as Americans struggle to keep up with the high cost of living and the return of student debt payments. The national average FICO score dropped by two points this year, the most since 2009, according to data released Tuesday by the analytics company. #LMAO🤌
Something about this being a _FICO_ score reduction instead of social credit score is extra hilarious to me.
This meme is against our freedom of speech laws. -10 FICO score deduction
“We’ve seen a K-shaped economy where those with wealth tied to stock market portfolios and rising home values are doing well and others are struggling with high rates and affordability problems,” Tommy Lee, senior director at FICO, told CNN. this economy in a nutshell. assets continue flying, while widespread misery continues unabated. i don’t think we should be surprised in the slightest that americans just generally seem pissed off. most of them are seeing their financial futures evaporate while being told that things are actually going great.
FICO scores fall the most since 2009. More poors are being made everyday.
Honestly based off the limited info I have, I just don't see it. I could be wrong though. If the person already owns a home then their FICO is already high enough to do a cash out refi more than likely (not always)... because they qualified for the mortgage in the first place. I think the sliver of the market where this product makes sense is so small that you don't have a viable publicly traded company. Maybe a small-mid size private enterprise. I see it as getting a Title loan for your car.. a list ditch effort for someone's whose finances are in disarray. But a lot of those types of people don't own homes. They'll have some customers for sure but I don't know if it can support a publicly traded company.
Thx for response genuinely. So their traditional business is mortgage lending, but this new product doesn’t count as a mortgage and thus I don’t believe falls under traditional regulatory stuff - it is just similar to a reverse mortgage. The differences are that you can be any age (not just 62+), and your FICO doesn’t really matter, and the product isn’t tied to interest rates as you don’t have to pay anything back. So essentially they’re investing into people’s homes, paying them a fixed amount in exchange for partial equity in their house title. So it’s not a loan. In terms of crypto, it’s just that the fixed amount is paid out in stablecoin.
Too early, I think. Their underwriting has been markedly worse since last year - they're allowing 3% No FICO loans to be placed in their prime ABS issuance, up from ~1% last year, as an example - but I think next year is when the music stops. Delinquencies in their subprime ABS issuance has jumped generally ~2% in the last two months, but I don't think it's happening fast enough to knock down the important B- and C-level tranches yet. But as far as I can tell they aren't issuing as much ABS as they did last year. So maybe the top is in shortly, followed by a taper and then a final collapse when the charade gets exposed.
any of yall invest in MSCI, SPGI or FICO?