Shrinking Member Count.

[GreatLife]

I'm losing interest in the forum and usually only visit to see if someone FINALLY introduced a new topic or additional data on a prior post. Usually see new visitors that ask questions - then don't come back to share any results to help anyone else.

[Thomas_Thumb]

I know Fico 10 and 10T have been out for awhile now. More than a few members get monthly 1B or 3B Fico scores. It would be nice to see some side by side monthly data showing Fico 8,9,10 and 10T scores in a table.

Unfortunately no one is stepping up to do this type of work. That's too bad especially since the mortgage industry is supposedly adopting alternate VS4 and Fico 10T models.

[MissLiz]

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@Thomas_Thumb wrote:

I know Fico 10 and 10T have been out for awhile now. More than a few members get monthly 1B or 3B Fico scores. It would be nice to see some side by side monthly data showing Fico 8,9,10 and 10T scores in a table.

Unfortunately no one is stepping up to do this type of work. That's too bad especially since the mortgage industry is supposedly adopting alternate VS4 and Fico 10T models.

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I've been trying to read up on it since it looks like the switch will happen early next year. My scorecard is dirty, but I do get the monthly reports and I've been watching my 10T climb as I rebuild. Those scores are significantly higher than my 5,4,2. I can't find a way to view my Vantage 4. I would be happy to provide dp's, @Thomas_Thumb 

[Gregory1776]

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@805orbust wrote:

Anyone notice the # of members is down by 1/3?  About a year ago I noticed we hit 300,000, and now it stands at about 213,000.  Maybe dormant or robot/spam accounts?

I have the best memory for absolute useless miscellany.  If only I could monetize that 🤣

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State of the economy; Trends of CC balances increasing; people aren't into it for the hobby, trying to get out of debt.

I notice a lot less engagement than 7 years ago when I got into this.

[Thomas_Thumb]

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@MissLiz wrote:

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@Thomas_Thumb wrote:

I know Fico 10 and 10T have been out for awhile now. More than a few members get monthly 1B or 3B Fico scores. It would be nice to see some side by side monthly data showing Fico 8,9,10 and 10T scores in a table.

Unfortunately no one is stepping up to do this type of work. That's too bad especially since the mortgage industry is supposedly adopting alternate VS4 and Fico 10T models.

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I've been trying to read up on it since it looks like the switch will happen early next year. My scorecard is dirty, but I do get the monthly reports and I've been watching my 10T climb as I rebuild. Those scores are significantly higher than my 5,4,2. I can't find a way to view my Vantage 4. I would be happy to provide dp's, @Thomas_Thumb 

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@MissLiz 

Thanks for offering. If you do start a thread and report data, put it in Understanding Fico scoring or General Credit.

Monthly data points showing various Fico scores pulled on the same date/time would be of interest. Perhap start with Experian since many users use Experians service as well. The key is to look at score change behavior over time and compare among the models. Ifsome score change a lot and others very little, that points to differences in Fico algorithms. Then look at account details to see what's changed as a means to zero in on specific scoring factors that may receive different treatment between Fico models.

Below is a table format as an example.

Month	EX score 2	EX score 3	EX Fico 8	EX Fico 9	EX Fico 10	EX Fico 10T
JAN
FEB
MAR
APR
MAY
JUN
JLY
AUG
SEP
OCT
NOV
DEC

Here are some graphs I put together in the past as examples for comparing models:

[MissLiz]

@Thomas_Thumb  I will work on it! I will look at everything line by line, but the most interesting thing I see is that my EX is 30 points lower than TU and EQ with the only noticeable difference being my (closed) Affirm account is only on EX. 

[Thomas_Thumb]

Yes, a difference in accounts one CRA to the other can affect score quite a bit. That's one reason why we want to compare various Fico models (10T, 10, 9 and 8) specific to a CRA.

You can do a TU comparison table as well to remove the CFA from the equation. Differect Fico models may penalize more or less for having a CFA. So, EX and TU data set summaries allows you to compare models with/without CFA influence. 

Foe example, if EX8 and EX9 are 30 points below TU8 and TU9 but EX10 is only 10 points TU10, perhaps CFAs are ignored or count less on Fico 10. Then if you see the same pattern with EQ vs EX that is not proof but does support the hypothesis. On the otherhand, if EQ10 maintains the 30 point offset, the CFA hypothesis is likely incorrect.

[ScoreSizzle]

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@JoeRockhead wrote:

Could be they closed severely dormant accounts combined with people just leaving.I've noticed several folks who used to be on daily, but haven't been on much at all in quite a while ¯\_(ツ)_/¯

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This would be me, lol... 

[Thomas_Thumb]

It's kind of foolish to remove poster names from posts even if accounts are closed. It creates stale historical threads when multiple posters are anonymous. Can't track progression of thoughts by posters or connect personality traits to posts. Even worse is the removal of pictures which provide important context.

It's all a bit short sighted.

P.S. Member count dropped below 94,710 before rebounding to 94,713.

[Aim_High]

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@Thomas_Thumb wrote:

P.S. Member count dropped below 94,710 before rebounding to 94,713.

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Two and a half weeks later and the member count today is down

again and even lower by about an additional 500 numbers! 

94,216