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
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?
“with FICO scores below 450”
FICO gunna pull an ORACLE with guidance on 11/5
I still see some deals NVO, certain resturants, REITs, homebuilders, PE firms are off their highs. I bought FICO a couple weeks ago in the 1300s.
FICO , lower rates 99%, nuff said
Dude… I work in credit, I’ve invested in ABS. I really don’t need to be explained to what an ABS is. I get you probably just watched the Big Short, but that’s not how it works. When you’re investing in ABS, you’ll get a loan tape which has summary stats (such as FICO) of each borrower. The buyers of these ABS will cut up these numbers many ways and try to model out what returns look like under various scenarios (ie GFC style default rates). It’s ridiculous to think people are buying consumer ABS without having access to credit scores of the underlying collateral pool lmao.
FICO has started adding buy now pay later loans to sone credit scores. https://www.npr.org/2025/07/05/nx-s1-5448793/credit-score-fico-buy-now-pay-later-affirm-klarna
Any reason FICO pumped today? More insider trading?
FICO having a nice day. Been buying that last two weeks on fears they might lose their moat.
FICO, 10 T, lower rates, nuff said
What was even the bull case for FICO to get that high? I wasn’t paying much attention to it tbh
What happened to FICO will happen to PLTR 3x worse
My FICO score is 817. I just have no money.
Upvote if your only listed one house as primary residence but didn’t get the loan cuz your FICO score is lousy.
4% AMZN, 4% UNH, sub 1% BRK.B, CRM, FICO, ASML.
Didnt realize FICO was near 52 weeks lows after that regulatory change. Time will tell if they lost their moat or if the crash was an overreaction.
FICO has hit bottom and now it’s only up from here get in while you can
“I can fix her”. Meanwhile, she’s a known spender. 6 figured in student loans, rock bottom FICO. Who’s taking?
It will negatively impact FICO score. Always keep the card active and let it age with zero balance.
GOOG is an easy win yes. Revenue is still growing in the healthy mid teens, with operating margins and earnings per share staying strong and growing closer to low 20s YoY. UNH is not a company I would consider amongst the serious companies for business quality. It's evidenced by the fact it no longer outperforms the market by over a five or ten year period. Fears might be overblown, but it's just not a place I can seriously put money into if I want to outperform. GOOG is one of the eight companies I hold because it has elite business quality. On a risk reward basis looking for market beating returns at current valuations I can rattle off multiple companies in my watchlist that will outperform UNH over the long term. I own S&P Global, ASML, FICO, Constellation Software, and Moody's, which are all superior companies with incredible business which will continue to outperform the market with reasonable valuations. Nintendo & Hawkins, inc. are exceptional companies that have run a bit beyond my intrinsic value assumptions but I continue to hold due to their potential. On my watchlist alone, I see companies like ServiceNow, MercadoLibre, Intuitive Surgical, MSCI, Ferrari, etc. that all have superior prospects to United Healthcare, but I feel I have superior companies I'm holding at valuations I deem acceptable. If I wanted the "safest bet I could make right now", I already made it by entering a 10% personal stake into FICO, a company with far larger growth prospects, pricing power, operational leverage, and diligent management.
FICO is the main company I've been buying recently. They're under the FHFA's crosshairs for a short time, but they're all bark and no bite. The amount it costs a mortgage holder to pay for a FICO score is insignificant across the total closing costs of the mortgage, let alone the mortgage itself. The pricing power FICO has, the asset light company model, minimal CapEx needed to reinvest into a dominant scores business, and a software business still teething. It's the easiest buy in my eyes relative to it's current valuation. I don't see a company like UNH, that has clear gaps in it's business quality, that has not outperformed the general S&P in the past five or ten years as a company I would like to invest in. Other companies I have been holding and buying into this year are Nintendo, Constellation Software, ASML (which I've held for a few years at this point), and S&P Global. Nintendo is a bit pricey at this point, but all of Constellation Software, ASML, and S&P Global sit at reasonable valuations with far superior business quality just off the top of my head.
They're selling them on but at some point the music stops playing and they get caught holding the largest bag of excrement in the history of capitalism. They have to hold them on the books to package them, and at some point this is going to blow up in their face. From 2024 to 2025 they increased no FICO loans in their prime ABS from 0.8% to 3.6%. Their sub-600 FICO loans went from ~7% to ~10%. They're just diving deeper and deeper into shit.
Every time I look at Carvana's ABS issuance I gulp. 3.7% of the prime loans they're packaging into Prime ABS have no FICO. 30% with FICOs below 660. For Prime auto loan ABS.
My FICO puts have been printing for months
Why is FICO limper than old man’s dick?
de Beers, Comcast, police departments, Coke/Pepsi, FICO
So we basically have the Mag-7 here and then two meme stocks. Palantir and Robinhood have virtually no moat sorry, until PLTR has a proven track record of being impossible to replicate or offers some feature that nobody else can then they will have a weak moat. What about companies like V or MA? How about credit ratings like SPGI, maybe even FICO. Then you have companies like TDG which buy up all competition in aerospace parts. The duopoly of EDA software with CDNS and SNPS. Nobody seems to look for quality anymore it’s just what’s popular. Some of the choices here are fine, but there are much better moats out there.
The companies I feel strongest about right now are ASML and FICO. FICO is the one I've been buying after entering a position last week. I sold RACE completely to buy in. RACE is close to fair value, but I feel like the fear in FICO stock makes it a wonderful opportunity in my eyes. RACE is a quality company, and will see long term sales growth with the Purosangue and continual Hybrid adoption. On my watchlist, companies like MSCI, CSU (Which I own), DUOL, NU, and GOOG (which I own) look interesting at current valuations.
TGTX and FICO are failing me. MO makes good though.
Other day I wandered into the credit cards sub asking some shit about interest rates. Instantly swarmed by 800 FICO mouth breathers preaching the gospel of “don’t spend what you can’t pay off.” If only these cucks knew I max out every card I own for YOLO earnings plays. I don’t pay interest. I pay for IV crush.
Pls FICO I beg for this to be the bottom
Took some profits from META and GOOG and reinvested in FICO and BRKB. Not thrilled about having to pay tax but concentration was huge problem in my portfolio.
I wonder, what you might be doing with your FICO position right now :-). Hopefully you have stayed put. But your overall analysis of the business was spot on.
FICO up 0.01% premarket get in while you can
Are you sure they are included in these reports? I thought FICO announced they will include them in new reports later this year
A fellow FICO bag holder is a friend in my book
I've been buying FICO hand over fist these past couple of days.
Rip to that guys FICO calls
Bro this is crazy. FICO options are totally illiquid.
Fannie Mae and Freddie Mac would now permit the use of the alternative scoring model, in addition to the traditional FICO score, for mortgage evaluations. From what I am reading, FICO's guidance for the revenue isn't great either, based on additional competition. However, as with all the stocks, anything can happen in the future. But to me personally, I would not touch FICO until Q3 earnings, and I can find better returns elsewhere.
In the GSE mortgage market? Or you thinking literally everywhere? Bill Pulte can only regulate the GSE mortgage market, which is a small piece of FICO’s market. The bureaus could have done this years ago, didn’t need to wait for Pulte.
VantageScore is going to eat their lunch someday... the bureaus all back it and will eventually push FICO out, it's only a matter of when. FICO is the next INTC.
My position is marked to the last traded price (as the bid/ask is wide for FICO’s entire options chain). This is not realized profit. Also, feel free to read my history on how I achieved step 1. 🤷
You think that’s a dip? Checkout FICO or ALIGN
What about high debt—equity remains negative? and recent FHFA moves to accept VantageScore alongside FICO scores create competitive and regulatory pressure...
I bought hard into FICO this morning. It seems the fear is fully priced in.
I could not resist the temptation. I entered a position in FICO and sold out of RACE to fund it.
FICO dropping out of the sky even more on great earnings
Really tempting to buy FICO here but I’m holding off for now. Would love it in the $11-00-1200 range
same here. Looking at my watchlist and the dip on FICO, GRAB, MU, HESAY stood out.
Big oof on FICO down 6% after reporting strong earnings. Lots of fear in this company right now from the market. It's now at a level I would consider jumping into.
FICO calls for tomorrow?
What is your opinion on FICO tomorrow?
UPST. 10x opportunity • will replace FICO • zero competition • 78.2M float (I’ve never seen them dilute personally) • going up even without interest rates coming down (will benefit greatly from lower interest rates) -supposed to do $1B in revenue this year growing 57% YOY despite bad macro environment • narrowed their $129m net loss in 2024 to being profitable in 2025 • just now getting into other segments like auto/housing
If i was trying to invest 100k into a singular stock and that was a significant amount of my money, not a great idea. CVX, FICO, MCO, PANW are positions I would take if I was picking singular stocks to put into a large position.
Just on my watchlist alone, companies like MSCI, UBER, CSU, and FICO seem to be at reasonable valuations that could be investigated.
UPST. 10x opportunity • will replace FICO • zero competition • 78.2M float (I’ve never seen them dilute personally) • going up even without interest rates coming down (will benefit greatly from lower interest rates) -supposed to do $1B in revenue this year growing 57% YOY despite bad macro environment • narrowed their $129m net loss in 2024 to being profitable in 2025 • just now getting into other segments like auto/housing
I just got an email and my FICO credit score went up another 14 points and I'm now I'm sitting at 774. If I have a credit score that good at this moment in time, this whole US market is propped up by yardsticks ductaped together.
Typical Fannie and Freddie regardedness using vantage over FICO
AI driven credit approval. Basically what FICO does except they use AI models to account for many more factors when determining credit-worthiness vs. traditional credit underwriting.
I generally go no higher than 10% on a company. GOOG 10% AMD 10% Asml 10% Amzn 5% SCHG 5% Tsm 5% Jepi 2.5% Jepq 2.5% Amat 2.5% LRCX 2.5% (recently sold 80%) Qcom 2% ANET 2% Knsl 2% Efx 2% Msci 2% Acn 2% It 2% Deck 2% Snps 1% Cdns 1% Homebuilders 2% Infrastructure 2% About 100 more @<1% many are too high to buy imo like MSFT, FICO, etc I'm trying to move up my ETFs and lower holdings. Everything is just too expensive right now.
I own target and I'm thinking of shorting Costco. I feel like overall my portfolio which is all long could use some hedges so I'm looking for stocks to short. I shorted FICO a month or two ago. Got out too early. That like Costco was kind of obviously overpriced.
NEBIUS. POET if I ever get my hands on them on my trading platform. FICO. Buying
I would not invest the money, no. If you don't have savings for an emergency, then [figure out how much that should be](https://www.wisebread.com/figuring-the-size-of-your-emergency-fund) and do that. Any money afterwards goes into your education expenses. (More detail: https://www.reddit.com/r/personalfinance/wiki/commontopics/) In terms of credit score, you probably have a reasonable one because you've been building credit by making payments on your loans. But you don't need to wonder: go get your score: https://www.doctorofcredit.com/free-fico-scores/ Don't waste time with Credit Karma and similar sites, as they essentially lie. Technically they don't, but they give you information about scores from a company that almost no one uses, rather than FICO, and several pieces of advice are damaging. When you get around to getting a credit card, I think Discover and Capital One tend to be the go-to recommendations for students, but check r/CreditCards.
"Your FICO score has decreased." 😡
Pulte should just fuck off already, my FICO sends regards.
The tokenization could potentially be quite impact, particularly for larger brands like Walmart or Amazon, as they make lots of transactions and therefore pay lots in fees to Mastercard / Visa. That said, I'm sure Visa and Mastercard will (probably) survive / figure out ways to survive - but nothing is assured, so who knows. And I'd just like to point something out: credit scores were only invented in 1989. (Or at least, the FICO was the first standardized and general purpose system.) Meaning if you're 36 or older, something that changed the way society uses credit *did* come along in your lifetime.
not sure what credit you are applying for. my 6 month fund isn't very much when spread out over a few credit cards. of course, when that emergency ever hits, im tightening up. no vacations, extra spending, eating out, etc. that should be common sense. idk a world where chase bank is asking me for pay stubs for a $5k credit line with a FICO over 800 and credit limit history in the $20k's.
Could run up into earnings. Thinking of picking up some [https://www.gptplots.com/?ticker=FICO](https://www.gptplots.com/?ticker=FICO)
It's just a start FICO didn't pay up enough to Pulte
I've been reading up on all the commotion around Fannie and Freddie being allowed to use Vantagescore instead of FICO scores, but the more I read into it, how much cheaper will Vantagescore really be when all three credit bureaus need to split the revenue earned from their scores. I can imagine this will benefit them slightly, and hurt FICO slightly but I don't see the credit bureaus undercutting FICO scores significantly when they stand to make money anyway whenever FICO jacks up pricing. The price of a score is insignificant compared to the total closing cost of a mortgage, let alone the cost of the mortgage itself. The way the score is packaged into the loan, it virtually disappears into it. I see the price action as a bit twitchy more than anything else.
Yes 743 weighted FICO score and a 769 for student loan borrowers. These are top notch clients.