Congrats!
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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p- wrote:
ShanetheMortgageMan wrote:I am intrigued with the new algorithm.
MyFico is keeping the details under wraps. From what I understand your ranking is baset on "bucketing". Items in your Board file such as AAOP (average age of posts), number of posts, utilization (percentage of posts used relevantly), and negative accounts (posts deleted or edited for violating terms) are used to come up with a risk assesed profile bucketing you with other users that have a similar scorecard.
These buckets are then divided up into the scoring models, with some buckets limited as to how high they can score. As your profile changes, you can be moved from one bucket to another, or one branch to another, changing your overall score. That being said, no one really knows exactly how these algorithms work, and the information above has a high chance of being made up.
Sorry, I just had to bump one of the best posts I've read on here.
Also, total log-ins obviously play a role, since I've logged in and immediately flagged a new rank.
Jutz wrote:Sorry, I just had to bump one of the best posts I've read on here.
Also, total log-ins obviously play a role, since I've logged in and immediately flagged a new rank.
Be advised; sometimes if your total logins increases, you can be rebucketed to a new branch and might see a temporary decrease in your rank. But don't be discouraged, long-term a more favorable bucket affords you a chance at a higher ranking. 
p- wrote:
Jutz wrote:Sorry, I just had to bump one of the best posts I've read on here.
Also, total log-ins obviously play a role, since I've logged in and immediately flagged a new rank.
Be advised; sometimes if your total logins increases, you can be rebucketed to a new branch and might see a temporary decrease in your rank. But don't be discouraged, long-term a more favorable bucket affords you a chance at a higher ranking.
Oh boy have you bumped your post count since last year!
---> HiLine's personal finance blog - Follow my journey! 
-Taking a break from the forums from 4/23/2013
Because you only have 12 posts. 
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
