Reddit Posts
Pre-Market Gainers and Losers for Today (October 2, 2026) π π
Another Huge Flag: S&P 500 returns are signalling markets are at a very critical stage
FICO puts gainz. Thank you Steve Eisman for the recommendation.
FICO Shares Drop 17% Premarket After TransUnion Extends VantageScore 4.0 Mortgage Pricing
Pre-Market Gainers and Losers for Today (September 29, 2026) π π
Got my FICO scores pulled out my ass
FICO Stock Falls 16% After Pulte Ends Its Mortgage Monopoly
FICO's mortgage moat has been destroyed, the stock is down 16%
US directs Fannie Mae, Freddie Mac to approve VantageScore for all lenders. "FICO has enjoyed a monopoly. No more"
Is FICO finally undervalued now or it's still a value trap?
The Machine I Promised You Is Now Running - $AMT.V / $AMTFF
Pre-Market Gainers and Losers for Today (July 30, 2026) π π
The Ramp Is Becoming Impossible to Ignore - $AMT.V / AMTFF
SOFI: the bull case, the bear case, and which one I actually believe
The Used Car Leasing Opportunity Nobody Is Talking About - (AMT.V / AMTFF)
SoFi Releases Its Q1 10-Q, Quietly Confirming Massive Fair Value Losses, Credit Card Distress
SOFI, potential gamma squeeze - the best set up of the year if you are a bull like me.
Can SoFi Management Be Trusted? Comparing Management Statements with Hard Data
Carvana ($CVNA): Subprime Auto in Prime Clothing β A Forensic Short Thesis (Detailed Breakdown with SEC Data)
Carvana ($CVNA): Subprime Auto in Prime Clothing β A Forensic Short Thesis (Detailed Breakdown with SEC Data)
Pagaya ($PGY) - Stars Are Aligning for this AI-backed Fintech
SEZL is the BEST setup for 2026: Flipping the Script on BNPL
DD: Subprime Split Purchases $SEZL
$FICO Q4 2025 Earnings, Shares +5% Despite Conservative Guidance
$FICO- Strong buy ahead of earnings on 11/05/25, and why a 65 PE is cheap
THE COMING CARVANA COLLAPSE - STOCK WILL PLUMMET 90% (STAY AWAY)
Finally got something right...FICO
FICO ($FICO) is up big; still the king of credit data or about to get disrupted?
Fair Isaac to Allow Lenders to Bypass Credit Bureaus for FICO Scores.
Big pre-market moves in the credit scoring space. FICO up big, TransUnion and Equifax down 15%
Big pre-market moves by Transunion and Equifax - FICO changes driving sharp sell off.
Top stocks hitting 52-Week Highs/Lows - August 14, 2025 π π
OPFI Crushes Q2 Earnings, Raises Guidance and Wildly Undervalued Poised for 100% move as Economy Slows Down (DD Inside)
Donβt sleep on FICO @ ~40x Forward PE
FICO shares fell ~20% YTD, when a federal agency green-lit the use of its biggest rival in mortgage underwriting (VantageScore 4.0)
Buy Now Pay Later now factored into FICO
What is pushing SOFI to a different stratosphere after it is up 30.45% in 1 Month. And it is at a great position for this upcoming July.
What companies are going to be around in 50 years?
Not a penny stock ...yet. Let's talk about FICO
FICO is an effing buy!! its now 1694.00, a drop from 2195.00 within 5 day
(05/22) Cloud Computing is Climbing! - Interesting Stocks Today
(05/22) Cloud Computing is Climbing! - Interesting Stocks Today
(FICO Trade DD) 8 Days Later: Revisiting 1 Year Later: Revisiting "How much are you willing to pay for perfection?"
8 Days Later: Revisiting 1 Year Later: Revisiting "How much are you willing to pay for perfection?"
Fair Issac $FICO down 25% in two days over FHFA director comments to make provider of credit scores to be more "economical"
How we feeling about this FICO situation π€ anyone buying the dip?
1 Year Later: Revisiting "How much are you willing to pay for perfection?"
Do you prefer companies with high but predictable recurring ROCE, or companies with low prices and high uncertainty?
Credit Scores? FICO already halfway to the moon
What are your thoughts on concentrating your positions?
SoFi outlook for 2024 with particular attention on interest rate hikes and Tech Platform Growth. Happy Thanksgiving to everyone!
REgards! Below but Average joe here. This is the first time I am asking advice on what to do with my money here. My CC's just gave me loans.
Fair Isaac Corp. [$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%
Whatβs 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
Mentions
A few months back I bought VEEV, CNSWF, TOITF, NOW, MANH and FICO inside my tiny HSA lol. TOITF -13% , FICO -20% , CNSWF +20%, VEEV +95%, MANH +75%, NOW, +62 % . BSY recent addition +19% small position. Itβs time to bring an end to this project and buy a target date fund or something.
Netflix is starting to look buyable, but I don't see much upside really. That's because it had a run of increasing prices, kind of like FICO, and now it's in a period of consolidation. fwd valuations somewhat cheap <20x again, but idk what the catalyst is for major gains.
It's what FICO craves!
It is pretty telling what the market thinks is about to happen that two of the top performing stocks right now are Equifax and FICO
Good point. Iβm down 1,500 today. If I had 75K, Iβd buy SNDK or FICO.
Seeing the AI bubble slowly lose steam while I sit flat on the year (Thanks FICO) really gives me perspective. Next time I see opportunity in a cyclical industry, I'll just take it and see myself out the door.
FICO would be at $400 rn if I bought the dip
the value investment department informs - tomorrow HOT: FICO HCA MA STE tyfyaintm
Burn FICO burn π₯ :dance: π₯
Not been a great year for some current quality darlings as well as former ones (LVMH, Nike, Hermes, Lulu, CMG, FICO, etc.)
What? FICO brought this upon themselves with price gouging over the years.
Honestly if it wasnt for FICO I'd be doing great right now. That was some bullshit, once again caused by this crazy admin. However, I've been doing great swing trading UNH, EOSE, DRAM, MUU, SNDX, ASTX, and AVAV
Great idea to make Vantage score the same weight as FICO even though that means worse credit. Last time banks were incentivized to grant shitty mortgages ended very well π
A man of his word. Nice! Iβm jealous of your price point but we will both have gains (youβll just have a lot more). If I didnβt use a good chunk of capital on FICOβs recent drop Iβd still be scooping up more APP
Anyone else catching knives on FICO, APP, INTU, and RDDT? Rddt down 35% ytd.
Eisman cutting the loss is bullish. Other than his shorting FICO, his recommendations have been absolutely abysmal. He belongs here.
Is it possible Pulte's FICO bullshit is some ploy to blame in a few years as the housing market is completely fucked..surely it'd be due to $5
LULU NKE MCD PEP FICO INTU ADBE etc
which fucked up more, NKE or FICO
$FICO is getting cooked in after hours!
Is $FICO going to start selling off yet?
> The bottom is in for FICO hop in while you can no thanks. you might be right that the bottom is in, the problem is just that it's not hard to see it staying put as opposed to going back up.
The bottom is in for FICO hop in while you can
Anyone else bought the FICO dip recently π₯
I guess at the end of the day, I should thank my lucky stars that I bought FICO in the early 2010 for around $45 a share and heldβ¦.still hard to see 75% of wealth evaporate with this Pulte clown over the past two years. But, here we are.
where is my FICO gang, oh wait it doesn't exist
Thatβs what I do too. Started off with naked puts but spreads are much nicer on the margin and safer especially for big stocks. Had one on FICO and the lower put certainly served its purpose!
Itβs not accidentally delayed. the credit agencies released over 12 years of historical FICO 10T data to allow lenders and analysts time to test and configure their systems before a firm mandatory launch date is set. Mortgage qualification software and rating system cannot be rolled out overnight.
This guy and his amigos are no doubt profiting off FICO shorts. Crazy that a non elected bureaucrat can wipe 8 billion in value off a company with his X account and title. Thatβs not right for any business or the economy.
If they approve FICO 10t for GSEs, vantage score becomes a relic along with FICO classic. That is how Pulte can still throw a bone to FICO, which I think will happen after the election or Pulte becomes national defense secretary.
I would not jump from increased competition to FICO being dead but the market is clearly repricing something that used to look much more protected. The bigger question is how much pricing power and mortgage share survive once lenders have a credible alternative rather than whether today's gap was too large. If I were taking a FICO direction bet on Moon, I would treat a 17 percent event move as volatility first and a valuation conclusion second.
Not dead, but this is a real erosion story. FICO is still entrenched in non-mortgage lending (auto, credit cards) and lender workflows don't swap overnight, but FHFA accepting VantageScore 4.0 starting in 2027 opens the first credible crack in the moat. No position here, but I'd watch adoption rates among top originators before calling it either way.
FICO fell down like a 5$ hooker π
I lost 40k today on FICO optionsβ¦.lol. Lmao even. Fuck Pulte.
Fannie/Freddie said they were going to use a new credit scoring metric with vantagescore and they represent a majority of FICO revenue
Any idea why FICO dropped like rock today?
It wasn't monopoly-like in the past, it was a literal government granted monopoly because lenders were mandated to use FICO scores. FICO lost their monopoly because they forgot the number one rule to having a monopoly, not doing something to upset the apple cart. FICO's management got greedy for short term gains and decided to push HUGE price increases year after year, which their customers were mandated to pay thanks to their government granted monopoly. So this drew the scrutiny of regulators, and caused them to lose their monopoly. If FICO's management had played it smart to protect their monopoly by only raising prices slightly/somewhat above the rate of inflation each year so that the price increases looked reasonable.
How regarded is full porting into FICO after today
Rocket mortgage already announced vantage as their preferred scoring; the industry Must have HATED FICO π
$FICO is down huge from the top
Back to 2022 prices for FICO lol
FICO getting shredded
Anyone who individually picked FICO as a stock in a dumb motherfucker
Oh hey, FICO went off a cliff for the exact reasons I said would happen here months ago as someone in the mortgage industry.
did FICO give itself a bad credit report or is someone finally doing something about that monopoly?
So LULU NKE FICO NKE MCD what else do I do
> I've owned it a few times over the last 5 years (thankfully not in a while) Kudos to you. It seems whenever these drops happen those that owned it right before the drop disappear. FICO was trading over/around 1,000 a share for 3 years. Now you cant really find anyone who held through this drop from 1,000.
Holy shit RIP to FICO..... wondering if I should go all in for a bounce
CEO Lansing said they are looking monetize other parts of the model that are less visible. In some ways, this might be healthy for FICO as it is forcing new revenue channels. My overall take is that there is plenty of money to be made with two scores; however, I think FICO has incredible penetration that will hold for a long time. I also think Pultes aggression is largely political to score favor with Trump and become National Security Secretary. Things will cool down for FICO after the election.
I wouldnβt call FICO dead at all. This definitely weakens the old monopoly-like position in mortgages, but Classic FICO is still approved for Fannie/Freddie loans and FICO 10T is also moving into FHA underwriting. The bigger change is that lenders finally have real choice, so FICO may have to compete much harder on price instead of being the default everyone has to pay for. To me the bear case for FICO is margin pressure and lost share, not disappearance. The interesting question is how sticky lenders remain once switching costs, model validation, historical performance data, and workflow integration are taken into account. $0.99 VantageScore pricing is aggressive enough that it should force the issue though.
>FICO down bigly >peek into /valueinvesting/ as expected
Well, my FICO put is looking good at least... maybe it will save my port.
I think the tell is whether GSE volume actually moves after Jan 2027, not the headline pricing. TransUnion keeping VantageScore at $0.99 and bundling it free with a FICO order is a wedge, but FICO still owns the installed underwriting habit. If originators treat VantageScore as a backup print instead of the primary file, this 17% gap can look like an overreaction. I'd watch take rates on mortgage score orders and any FHFA language on dual-score acceptance before calling the moat gone.
How big a correction is FICO going to make? That's crazy. Even the bottom of the options chain is high.
Real Eisman Playbook. π For real though, he'd been talking about how FICO was abusing their monopoly on credit reporting, and the new comer has a cheaper better product that was gonna break their stranglehold. Seemed reasonable to me, though I only did a small position because I wasn't necessarily convinced there was a TON of downside left. Pleasant surprise.
$FICO is so cooked! Keeps dumping
Everyone is running for the doors on FICO
FICO going to 0 lmao
FICO missed a few payments today.
$FICO still dumping π³
Too bad I didnβt have any FICO puts opened π©
I think today's decline is also considerably due to the RKT/FICO news. https://www.prnewswire.com/news-releases/rocket-mortgage-becomes-first-home-lender-to-use-vantagescore-as-its-preferred-scoring-model-on-all-eligible-loans-302892051.html "Is FICO officially dead in the water now?" It's not a 0 but it's no longer going to be the compounder it was for many years. When the government turns on the company and the largest mortgage lender says someone else's model is their preferred one, that kind of thing doesn't turn overnight. I've owned it a few times over the last 5 years (thankfully not in a while), but never liked the low float.
FICO dump on open would be funny
FICO easiest free money I've ever seen
Vantage Score 4.0 sounds way cooler than FICO
Is FICO a buy right now???? All time low
\*Fair Isaac $FICO\* shares were reported down 18% after the FHFA said Fannie Mae and Freddie Mac would move to one mortgage pricing grid incorporating VantageScore alongside Classic FICO.
Welp, I'm down 60% on FICO. Should I rip the bandaid off and sell or just hold for like a decade lol?
FICO, another popular X stock, down -20% premarket. Lmfaooooooo. Help
FICO getting absolutely destroyed gah damn
Hope nobody here bought the dip in FICO today. I almost did. Now drilling an additional 8% in ah.
some poor schmuck bought FICO at 2400 in Dec 2024
What just happened to FICO
Incredible..FICO was $1410 end July now $840
I'm going to get so rich off FICO
Dang I remember people saying FICO was insane value. Look at that shit now. Never listen to anyone ππ
You can use my strategy of going all in on a single quality stock that is oversold and then selling after 10-20% profit. Rinse and repeat. I would say go all in FICO or WYNN for example. Iβm up 130% YTD using this strat.
She's a bought and paid for FICO Whore, they own her!
Dude, what the fuck are we talking about? A deficit means a **loss** now? So every time my wife orders something from Amazon and Amazon doesnβt buy anything from us, WE LOST THE TRADE WAR WITH AMAZON?! And the interest-rate thing. βWe have great credit, so rates should be 1%.β THATβS NOT HOW THE FUCKING FED WORKS! You canβt walk into the Federal Reserve like youβre buying a Toyota. βCβmon, buddy, look at my FICO score. What can you do for me here?β I love the confidence, though. Thatβs the best part. No hesitation whatsoever. Three unrelated economic concepts, duct-taped together.
See of green even my short of FICO is green
On 0dtes yeah no shit theres a long bias Theres been plenty of amazing shorts though, even currently like FICO.