I figured out the FICO formula! See it here!!!

Anonymous · ‎01-04-2008

So, here goes...

$\mu_w = \mathbb{E}\{ \mathbf{w} \} = 0$ $R_{ww} = \mathbb{E}\{ \mathbf{w} \mathbf{w}^T\} = \sigma^2 \mathbf{I}$

when E equals Experian and W equals WHY (as in WHY is that still on my credit report?!?)

So then, take the cosign and multiply the coefficient to the power of pie (Yes pie. It is better then PI, IMHO) and you will get:

T equals Transunion in this equation. In this example, you have to all sorts of multiplication and division and calculus. For this example, my Transunion and Experian score are 756 and 766 respectively. It's easy to figure out once you know how!

The method for figuring Equifax is quite difficult however. First factor the vector $\mathbf{x}$ with mean $\mathbf{\mu}$ and covariance matrix $K x x$ is to perform the following calculation:

Thus, the output of this transformation to Equifax has expectation

and covariance matrix

$= \Lambda^{-1/2}\, E^T \, K_{xx} E \, \Lambda^{-1/2}$

By diagonalizing $K x x$ , we get the following:

$\Lambda^{-1/2}\, E^T \, E \Lambda E^T E \, \Lambda^{-1/2} = \Lambda^{-1/2}\, \Lambda \, \Lambda^{-1/2} = I$

Summary: Calculating FICO scores is easy! All it takes is a little basic math, some patience, and a little free time at work.

marty56 · ‎01-04-2008

Your must take the absolute value of W since the information could also be wrong (-W) and you want the answer to be the same.

Otherwise I concur.

1/25/2021: FICO 850 EQ 848 TU 847 EX

haulingthescoreup · ‎01-04-2008

I'm beginning to wonder if ANY members of these boards do more than 2-3 hours of real work at the office...

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

llecs · ‎01-04-2008

haulingthescoreup wrote:

I'm beginning to wonder if ANY members of these boards do more than 2-3 hours of real work at the office...

Fellow MyFicoers like to use their non-productive time wisely. We can always tell the higher-ups we are improving our inter-personal skills.

Anonymous · ‎01-04-2008

I was always trying to figure out what i would need my Math Equation software for after ALL of my math classes--I guess usaf figured out what to do with it.

Anonymous · ‎01-04-2008

I found a few minor issues - but the end number matches mine.

Red1Blue · ‎01-05-2008

You should be nominated for Noble Prize in Credit.

Anonymous · ‎01-05-2008

@haulingthescoreup wrote:

I'm beginning to wonder if ANY members of these boards do more than 2-3 hours of real work at the office...

What if your office is in your house? Does that count?
You can't knock the formula. It's taken years to find someone to figure it out

Anonymous · ‎01-05-2008

You forgot a bunch of things.

1. The airspeed of an African swallow
2. The price of pork bellies in Peru
3. Planck's constant
4. The current number of sunspots
5. The Madden-Julian Index
6. NASDAQ
7. The speed of the rotation of the Earth
8. The batting average of the New York Mets
9. The thirteen-year moving average of successful groundhog shadow views
10. Pi, computed to the last decimal place

haulingthescoreup · ‎01-05-2008

@Anonymous wrote:

You forgot a bunch of things.

1. The airspeed of an African swallow

A-ha! A Pythoner!

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007