topic Re: Any other software engineers in here? in Understanding FICO® Scoring

Any other software engineers in here?

Anonymous — Mon, 26 Mar 2018 06:22:30 GMT

First let me state will NOT be an app to reverse engineer fico Scoring. But more of an guide for how to increase scoring by allowing data entry/etc etc .. Tracking payment dates/statement dates.... Helping with AZEO tracking, when to request early exclusions.

Dont wanna recreate the wheel, so if anyone else has already done legwork please PM me.

Re: Any other software engineers in here?

Anonymous — Mon, 26 Mar 2018 13:45:50 GMT

Coming along

Re: Any other software engineers in here?

Anonymous — Mon, 26 Mar 2018 23:39:15 GMT

Where are all my engineers/developers?

Re: Any other software engineers in here?

Anonymous — Tue, 27 Mar 2018 05:06:39 GMT

Changed Layout

Re: Any other software engineers in here?

Anonymous — Tue, 27 Mar 2018 11:00:10 GMT

Chugging Along.... Do any of you use Macs or mostly Windows?

Codenamed Egor .... Bc its ugly but it will work

Re: Any other software engineers in here?

Kree — Tue, 27 Mar 2018 12:15:08 GMT

ABCD has something webbased that is similar. I think his link was removed due to site terms.

Looks great, I'm not a software engineer, so I can't really help. But good luck.

Re: Any other software engineers in here?

NRB525 — Tue, 27 Mar 2018 19:04:34 GMT

I use Excel since most of the info about the accounts looks the same month to month, including day of month for statement, limit, and how much I plan to pay. Utilization is one of the formulas. I prefer Excel since it enables clear visibility to all the data, no sub screens to get confused over.

Microsoft Money to track transaction details, since that supports account reconciliation as well.

Autopayment on most accounts, and set up payment well in advance of the due date.

Pay on time and scores will eventually rise nicely. No AZEO here.

Re: Any other software engineers in here?

beutiful5678 — Tue, 27 Mar 2018 21:29:00 GMT

Looks lovely, OP! I've wanted to create something similar that integrates envelopes budgeting, account reconciliations, and credit card/credit limit management. I look forward to seeing what you come up with!

Re: Any other software engineers in here?

Anonymous — Wed, 28 Mar 2018 18:30:25 GMT

I just checked and his site is still up. But yeah, it does something almost identical. Maybe a collaborative effort?

Also, software engineer.

Re: Any other software engineers in here?

Anonymous — Sat, 31 Mar 2018 04:57:33 GMT

sounds like a plan. i will rich out to ABCD.

Re: Any other software engineers in here?

Anonymous — Sat, 31 Mar 2018 06:01:26 GMT

Got accounts/income distribution ..... next up debts & expenses..... then on to budgeting, alternative payment scenarios (AZEO, Debt SnowBall, Debt Avalance) with a maintain (installment, revolving, account mix)..... coming along nicely. I am coding in swift, so the logic could be used in linux/heroku app using swift on server buildpack

Now is the time to say "you know what.... i think any app that does this should do XXXXXX" so i can get it in the first release double

Re: Any other software engineers in here?

Anonymous — Sat, 31 Mar 2018 08:03:27 GMT

woot woot

Re: Any other software engineers in here?

Anonymous — Sat, 31 Mar 2018 08:22:11 GMT

Re: Any other software engineers in here?

Anonymous — Sat, 31 Mar 2018 08:22:42 GMT

Re: Any other software engineers in here?

Kree — Sat, 31 Mar 2018 16:19:51 GMT

I think a useful feature would be an optimized paydown calculator.

Often people come to these forums saying "Here are my 5 cards, I got 3 grand back from my taxes ,what amount do I pay on what card?"

Someone will often pop in and say "My math says X on card A Y on card B to bring them down under 28.9% and the rest on card C to bring it down under 48.9" Which is very useful advice, but not everyone knows how to crunch the numbers like that, an app option would allow more people to give this type of advice.