A***8
发帖数: 189 | 1 目的是:
1.Local machine send data to AWS
2.在AWS的EC2上run python scoring code, 产生model score
3.Return score back to local machine，不需要在aws上存储data
问题：
1.run real-time scoring python code需要用到AWS上的哪些services呢？
2.从remote machine到AWS的realtime 数据transfer该怎么搞呢？
非CS出身，一头雾水，求牛人指点一下。 |
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w*******e
发帖数: 902 | 2 R里面的random forest 用train好的model score 新data 如果有新的level 就会报错，
这样的问题怎么解决，
当然在develop的时候把score的data 和train data combine一块 做factor ， 在分开
train，然后score没有这个问题，
问题是有新data 要score的话， 不可能每次都这样做啊，
有没有什么好的方法， 网上搜 除了combine一块factor 好像没有好方法啊，
这的大侠们有什么好办法吗 |
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w*******y
发帖数: 60932 | 3 Just received this year invitation from AMEX
Go to:
Link:
http://www.americanexpress.com/mycreditscore
or alternatively go to:
Link:
http://www.americanexpress.com/creditreport
Log in into your AMEX account and proceed with instructions.
Enjoy.
Must be an AMEX customer.
Free score is Experian PLUS Score.
"Congratulations ! You are now eligible to receive your annual
complimentary Credit Score and Report, exclusively for American Express
Cardmembers.
With this valuable benefit, you will be ab... 阅读全帖 |
|
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G*****r
发帖数: 523 | 5 sonata 意外的强劲阿
Tougher government crash tests for the 2011 model year are making it harder
for car makers to win coveted "5-star" safety ratings for their vehicles,
which they widely tout in ads.
The U.S. Transportation Department on Tuesday formally launched a more
rigorous system for grading car safety. The new system for the first time
gives vehicles one overall safety rating, as well as various subratings,
with one star for the worst and five stars for the best.
The system, which applies to c... 阅读全帖 |
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A******y
发帖数: 2041 | 6 Not really, you should already know how hard is your review section, because
most likely your seniors are funded from similar study sections. If it is
an easy scoring one, you just need to know that you have to score at 1s. If
it is a hard one, you have more of a range, but your grants might get
trashed i.e. seeing a 7 or 8 in your scores. |
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w******e
发帖数: 953 | 7 Just got the priority score 46 for one R43. I guess they might fund those
scored 33 or less in R43/44.
Some questions:
Do R43 study sections discuss all the proposals they receive?
How to further improve the proposal? Adding more preliminary data? Changing/
adding more supportive collaborators? Getting some data published in the
journals?
How to address "risk management and mitigation" in the proposal? How much
the study sections weigh this "risk management and mitigation" in the final
score?
T... 阅读全帖 |
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b***j
发帖数: 255 | 8 【 以下文字转载自 Money 讨论区 】
发信人: BunMJ (I love bun), 信区: Money
标 题: credit score怎样计算的
发信站: BBS 未名空间站 (Thu Dec 3 16:05:36 2009, 美东)
我最近开了一个AMEX信用卡，想通过这卡进行大量消费，每月消费额达到信用额3倍以
上，我打算在消费没到信用额的时候，就付款清帐，这样balance很低，甚至是负的（
信用卡欠我钱），月底statement上的blalance也会很低。
我现在credit score是770左右，想问下这样会降低我的credit score吗？影响大概多
大？最近在申请贷款买房，不想影响贷款。谢谢 |
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h***e
发帖数: 866 | 9 今年通过employer入了一个ID theft protection的plan，可以在网上看自己的credit
report和score。现在还没register，不知道看了会不会对credit score有影响？不看
又怕到申请loan的时候才发现score很低。 |
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r*********r
发帖数: 110 | 10 The free credit score provided by AMEX is Experian PLUS credit score, which
is different from the FICO score most lenders use. |
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M**3
发帖数: 186 | 11 You are right...
Now I kinda regret I did the Amex check, as it results in pulling of my
credit score. I can however pay on Amex to see the score from the other 2
places (Equifax and Trans Union). Is FICO score one of them?
which |
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a****r
发帖数: 4965 | 12 If you really want to see your FICO score, go to myFICO.com instead of
pulling by American Express.
Also, you can get all three scores with a lender when you ask for a pre-approval letter. No need to buy three scores individually. |
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t**s
发帖数: 34 | 13 事情是这样的:
最近准备make人生中第一个offer. short sale.
agent帮我找个local mortgage officer提供preapproval letter.
昨天下午他电话问我几个general的问题,要我fax给他credit report.
他昨天晚上就给我发来preapproval letter,但是要我给他发去credit history,因为发
的只有score没有history.
他今天收到credit history以后说,如果我只有一年多credit history,不能qualify.又
说不熟悉我的credit report format,想run我的credit.
我当然不想给他run,而且已经拿到preapproval letter呢.
请教大家---
如果我不理他,sellter/bank拿到offer以后,有没有可能联系他?然后他给seller/bank
对我不好的feedback?因为其实他并没有真正preapprove我.
agent建议我去一家想serious贷款的银行,run一次credit,拿preapproval l... 阅读全帖 |
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d******n
发帖数: 2712 | 14 基本上想在两周内提高credit score是不实际的。credit是靠积累的，不是靠突击。
另外，如果是因为collection影响credit，不是用还信用卡等等可以解决的。除非，可
以把这个collection dispute掉。但如果确实是因为自己的疏忽导致collection的，LZ
就不用花心思在credit score上了。re-score只会适得其反。
有可能的话，做15年固定，对credit要求相对低。如果不行，就只能安心多付些利息，
拿到mortgage，不要late pay还上半年，对信用成绩提高有好处。之后，看有没有refi
的机会吧。 |
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p*******p
发帖数: 220 | 15 want to apply for a credit card. i was told it will have impact to credit
score when applying refi. is it true? how many point will be dropped? when
the score can come back the original score after the applying the card? |
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c*h
发帖数: 33018 | 16 my credit scores dropped around 20 points because 7 times inquiries of
credit scores. Some of them were caused by credit card application.
some of them were caused by re-finance.
My credit scores were very good, over 800. No they are still not bad. |
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y****i
发帖数: 17878 | 17 FICO scores provided to consumers and lenders are different, but a 30 point
difference is rare.
Experian FICO scores are no longer available to consumers, but they may
still be used by lenders.
don't know why you couldn't get your TU FICO score. |
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r**u
发帖数: 130 | 18 Checked my credit score is just a little bit higher than 740, will pre
approval lower my credit score? If then my credit score will be lower than
740 when I officially apply for the home loan. Anything I can do? Thanks |
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r******d
发帖数: 1879 | 19 it doesn't matter who will be the main borrower since lender always choose
the lower credit scores between you two unless you use your wife as only
borrower and add your name on the title together with her.
If your low credit score is not due to credit collection, it might be hard
to improve in the short time till you pay the mortgage loan. try not to
always pull the credit scores quite often, not always expense till the
credit limit, try always pay the bills on time...etc
Best luck
pre |
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z****e
发帖数: 555 | 20 citi automatically put me on no-paper billing system. I forgot to pay the
bill and overdue in June. I noticed it yesterday.
How would one late payment affect the credit score? I need to lock the rate
in a few days? My score was 794, 772 and 745 when I got loan preapproval in
June.
I called citi yesterday they agreed to remove the late fee. Will they be
able to not to report to affect my credit score?
Thank you |
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x**********n
发帖数: 1262 | 21 查了credit history，没有问题
问了信用报告公司，说他们只提供credit history， 具体score是每个查询公司/单位
自己的model create的，与他们无关。我这个情况，credit score低是水电公司的
model生成的，要找他们。
水电公司的mail上好像只提到低score影响deposit，那应该没多大问题吧？ |
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g*******i
发帖数: 72 | 22 急问各位大侠，我一直都有好的信用机会，信用卡每月都pay，所有账单都pay.以前
credit score非常高，但是前几天（几年来第一次）查信用记录，发现自己的credit
score掉了将近100点。然后详查，发现一个两年前的blood test medical bill （$100
) from the lab被送到了collection company。我从来没有接到过这个lab发给我的账
单（我的确在doctor office做过检查,他们送我的blood sample to this lab）。lab
有我的correct address/name.他们说有发6次账单给我，但是我真的从没有收到过（一
个账单发六次我怎么会看不到？）我家一般也从不丢mail.
现在的问题是，我们要买房子，我明年还要申请student load，现在这么差的credit
score对loan很有影响。请教这里有经验的朋友，或是律师朋友，我该怎么办？
非常感谢！！ |
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k****o
发帖数: 728 | 23 这几个月买了不少新东西，有三份贷款（2个家具店+1个车贷）外加连续被几家check了
credit scores。发现信用分数FICO score最近半年居然降了70多分。档次都降当中档
了。准备1年后买房的，想尽快提高信用分数。请教，如果我把这三个贷款马上还清，
能不能尽快提高信用分数？
再就是，说保持credit card的balance不超过30% of credit line有利于credit score
，是说各个卡总的balance不超过所有卡总credit line的30%吧 |
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t**l
发帖数: 577 | 24 A credit score is a number lenders use to help them decide: "If I give this
person a loan or credit card, how likely is it I will get paid back on time
?" It is generated through statistical models using elements from your credi
t report; however, your score is not physically stored as part of your credi
t history on the credit file. Rather, it is typically generated at the time
a lender requests your credit report, and is then included as part of the re
port.
Your credit score is a fluid number |
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d*r
发帖数: 238 | 25 Your Credit Scores Affect Your Home Buying Ability
Home buyers who are seeking a loan find out early-on that their credit scores
play an important part in the home buying process and in determining the
interest rate that a lender offers.
It's a good idea to learn as much as you can about your credit reports and
credit scores before you apply for a loan. If your credit reports include
mistakes, you'll need some time to get them corrected. Some negative
information can be removed—with the help of |
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z****l
发帖数: 5282 | 26 ☆─────────────────────────────────────☆
landline (chaos) 于 (Wed Apr 5 10:27:30 2006) 提到:
from fw
Credit cards that hurt your credit score
By Kristin Arnold ?Bankrate.com
A no-limit credit card, often considered a valuable perk for cardholders,
could, in fact, damage your credit score and make any debt you take on more
expensive.
"Consumers who are thinking of opening one of these no-limit credit cards may
want to think how deeply their scores will be affected," says Craig Watts,
spokesman |
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p****x
发帖数: 4260 | 27 ☆─────────────────────────────────────☆
rex (Gone with the Moonlight) 于 (Sun Jun 8 20:23:26 2008) 提到:
发信人: rex (Gone with the Moonlight), 信区: shopping
标 题: 晴天霹雳啊，credit score很低
发信站: BBS 未名空间站 (Sun Jun 8 20:21:58 2008)
晴天霹雳啊，credit score很低
dealsea上有个免费一个月查credit score的东西，查了一下发现才690.。。
想了半天也没想出干了什么事搞成这样，来美国也好长时间了，从来没被讨债公司联络
过，买车贷款每月老实交了一年了，刚来那两年不懂事申请了不少信用卡后来都大刀阔
斧地关闭掉了，现在手上还有几张；前几年贪小便宜用信用卡的0 apr转了些钱去银行
挣点小利息，每月都交minimum payment然后到期全付清了的啊（有人说这样子是可以
涨信用分数的，看来不是真的??）去年下半年忙有几次账单晚付了几天，跟客服说好话
以后 |
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p****x
发帖数: 4260 | 28 ☆─────────────────────────────────────☆
lout (粗人) 于 (Mon Jul 13 18:18:47 2009, 美东) 提到:
郁闷! 一年前，忘了pay一家域名提供商30$服务费。 最近发现那30$被一个collection
firm报告到credit bureau那里了。为这坏了credit score， 感觉真太不值了。
想call那个collector，该pay多少pay多少， 就不知道pay了之后credit score能恢复
多少， 也不知道那个collection account会不会从credit record上删了。
又想跟credit bureau dispute， 因为那collector根本没跟我联系过，email啦，mail
啦， phone call啦，啥也没有。
就想能在最短的时间修复credit score。 我该咋办？
☆─────────────────────────────────────☆
bitworse (绣衣直指使者) 于 (Mon Jul 13 18:22:51 2009, |
|
H**********k
发帖数: 224 | 29 for score:
google credit karma. this gives you a fico-like score.
for report:
credit.com gives you a brief report of how many revolving account, each
with blah blah balance and yada yada payment...
or
https://aa.econsumer.equifax.com/aad/landing.ehtml
https://www.experian.com/reportaccess/
just pretend you are just declined credit by some bank.
是我
没取消membership就自动成为正式付费的membership。我只想查credit score，没别的需
求，所以每月交14.95对我来说是浪费。 |
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n********n
发帖数: 641 | 30 由于一直用一个主信用卡,一个网上购物偶尔用的信用卡,所以一共两条trade line...
信用分数接近730...
不小心最近两个月新开了两个credit cards, 因为是新开的,所以要跟以前的算average,
导致creditscore 下降了20多分,成了703分了.
请问这种情况下把新开的这两个马付清然后close这两个account会有什么帮助吗?
请问还是什么能短期内提高credit score的方法?(没有过欠信用卡钱的记录,但关键是
credit line时间不够长...)
另外请问车贷2万左右现在马上全还上对提升credit score有帮助吗?
房子的offer突然approve了,Loan To Value<70,但由于新开信用卡导致的credit score
下降怎么才能在最短时间内弥补回来呢?
非常感谢! |
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H******7
发帖数: 34403 | 31 【 以下文字转载自 Living 讨论区 】
发信人: Huan2007 (胡绵涛), 信区: Living
标 题: Re: 怎么知道CREDIT SCORE
发信站: BBS 未名空间站 (Wed Apr 21 18:00:42 2010, 美东)
that is joke.
to get your free credit score, go to car dealer, and tell them you want buy
a car, they will go to check your credit score and go back to you... |
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s********a
发帖数: 328 | 32 来自Credit Karma。今天查的，看到小字说是来源于今天更新的数据，所以看来Credit
Score更新差不多是实时的。
1. Open Credit Card Utilization
Credit Score Weight: HIGH
Credit card utilization is defined as your total credit card balances
divided by your total credit card limits. The utilization percentage
is often correlated to your credit score.
Note: You do not have to carry a credit card balance from month to
month to show credit card utilization. Simply using your card is
enough to show activity, even if you pay the balance in full and |
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s***n
发帖数: 1114 | 33 我第一次申请没看到app id，就又上网填写了一次，依然没发现id，今天发现被拒，就
又上网申请了一次，按照版上同学的方法找到了id，打电话过去，再次被拒。然后重新
申请amex的，再次被拒，这算是四次。
刚才一怒之下把我的citi account关了，把我一直用的citi platinum取消了，上网一
查，关掉我的第一张信用卡会严重影响我的credit score（我只有这一个卡），于是赶
紧打电话给citi要他们恢复，顺便问了一下刚才关卡有没有影响，接电话的人说不会影
响，不会报告给credit beureau。这才放心。冲动是魔鬼。以后还是老老实实的用这张
citi卡吧。
所以有俩问题：
1。我这次连续申请4次，连续被拒，不知道会不会严重影响我的credit score？
2。我以后申请个chase freedom，会不会继续降低我的credit score？大家觉着还有必
要申请吗？
谢谢大家 |
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s*******s
发帖数: 623 | 34 老美的论坛和讨论我也读过了
绝大部分都是讨论和怀疑，没有谁真正地看到自己的credit score受影响了
我倒是看到一个老美的帖子：
posted: Sep. 12, 2007 @ 10:36p [link to this post]
My Experian score has not changed since switching from Dividend to World,
even though World is showing neither a high limit nor a balance (haven't
used the card in 6 months). This card represents a small fraction of my
total credit limit and my overall credit utilization is low. YMMV.
我也正在监测我的信用记录，也看到了那个world master card 报告的limit确实是0.
我和老婆的记录里现在都有world master card，她的score是767, |
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x*****g
发帖数: 3463 | 35 不受明显影响的前提是你还有很多别的卡，而且这个卡CL比较低，或者总负债数额比较低。
会不会影响score，动动脑子就知道了。
如果你的balance一直很低，那么对score应该没什么明显影响。比如总共5万CL，这个卡2万。你的total balance是1000，那么1000/3万和1000/5万没什么本质区别，对你的credit score的影响基本可以忽略。
但是如果你的balance比较高，那肯定是有影响的。
还是上面那个例子，但是你total balance有2万。那么2万/3万和2万/5万的区别就很明显了。
更有甚至，有人的balance很高，像前一阵发帖的一个兄弟，因为拿着American Express的卡（AmEx 貌似也是不报告CL的），total balance超过了其他信用卡的CL的总和，那就杯具了。还是以上面这个例子，total balance是4万。那么原先4万/5万，只能说比较差，但还不至于杯具。现在是4万/3万！想想看吧。 |
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C******l
发帖数: 1507 | 36 FICO Questions Answered: Fair, Isaac CEO Reveals 3 Key Ways to Improve Your
Score
Greene outlines three key ways through which people can improve their scores
. First, pay your bills on time. Second, don't get close to the edge: "Don't
use more credit than you really need." And third, don't apply for new
credit unless you absolutely have to.
See more at:
http://finance.yahoo.com/tech-ticker/fico-questions-answered
-fair-isaac-ceo-reveals-3-key-ways-to-improve-your-score-535800.html?tickers=FICO |
|
z****s
发帖数: 1760 | 37 FYI.
Your FICO® Score takes into consideration five main categories of
information from your credit reports.
1. Payment History 35%
2. The Amounts You Owe 30%
3. Length of Credit History 155
4. New Credit 10%
5. Types of Credit in Use 10%
http://www.scoreinfo.org/FICO-Scores/Score-Ingredients.aspx |
|
b*******s
发帖数: 308 | 38 http://www.creditreport.com/dni/default.aspx?SiteVersionID=952&
Ongoing Services Disclosure
By ordering your free credit score, you will begin a 7-day free trial of 3-
bureau credit monitoring and credit score tracking. You will receive email
alerts whenever there is a significant change to your credit reports or
score. After the free trial you will be billed a $19.95 monthly membership
fee. You may cancel at any time. There is no obligation. |
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i******o
发帖数: 273 | 39 Why care score so much. You only need score for financing or mortgage at
later year. FICO score depends on lots factors. The store credit can
increase your total credit line and lower debt ratio. |
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r**********u
发帖数: 340 | 40 一年不到,credit scores from 810 to 744!
因为我的boa第1张卡要收年费，我上个月打电话转为无年费的Cash Rewards。
今天收到信说通过了。上面还有我的,credit scores 744。
我在不到3个月的时间里申请了3张新的卡。
我现在一共有7张卡包括JCPENNY ,MACYS .SAKS 店卡。
问大家什么是主要原因我的credit scores 掉这么多？ |
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s***e
发帖数: 7166 | 41 experian有一个1美元试用一个月的protectmyid plan，它产生的credit score
和experian credit score是一样的吗？ |
|
l*******t
发帖数: 19 | 42 之前没想到，现在好像要在短期搞两张卡应急，主要申introductory APR 0%.现在的
score是750-760，两个机构给的都是excellent,另一个是good，但是在excellent的边
缘上。目前还是学生，马上要失去收入。
几个问题
1）手头有两张citi的卡，credit limit一共大概两万，如果再申citi的卡，approve的
概率有多大，credit limit可能给多少，我担心没批或者批得少影响credit score从而
影响其他卡的申请
2）Chase两个月之前搞了个UA的卡，当时没想到现在要申卡，credit limit给了一万，
如果要申chase不知道会不会批或者批得少。
3）想现在用citi的卡搞一些balance transfer check，现在的offer是都能把钱倒出来
，不算cash advance，听说有什么50%，80%，90%的rule，不知道现在的情况如何，应
该取多少？还有就是现在的offer是否是动态的，比如我这个月申很多卡，credit
score下降，会不会影响offer，这个offer是9月份才expire。
... 阅读全帖 |
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y****a
发帖数: 253 | 43 sorry , cannot type Chinese.
Interesting findings.
I use amex credit secure service.
1). If I have speng more on credit card, my credit will rise a lot.
2). If I have applied more credit card, my score will rise a lot.
3). If I have opened 3 more account such as credit card account, my credit
will go higher a lot.
I applied more credit last years. yes! more hard-pulls, but my credit is
higher.
This year I apply less, my score is lower.
should i go ahead applying for 1 or 2 credit card more?
T... 阅读全帖 |
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l*********3
发帖数: 292 | 44 不管是 CreditKarma 的免费分数，还是三大局的 "Credit score"，都是所谓的 FAKO
score 。申卡时信用卡公司看的是 FICO score 。通过 www.myFICO.com 查到的分数才
是准的。剩下的各种分数，只要没提到 FICO ，都是各家公司用自己的算法估算出来的
。 |
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a******9
发帖数: 923 | 45 不是FICO score，是PLUS score。 |
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c***u
发帖数: 4107 | 46 对, 没错, 就是PLUS score
请问, 知道这个plus score有啥用处吗? |
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a******9
发帖数: 923 | 47 ck上的是transrisk score，不是fico score，所以不必太过在意。
不过，你的transrisk score波动这么大，我猜除了2个hard pull导致average credit
history变短外，可能你的debit/credit ratio每月变化比较大。因为ck只看当月的
debit/credit ratio，所以当比率是1%的时候分数会高，比率是10%会很低。 |
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u****r
发帖数: 2053 | 48 Thank you for the comments,really appreciate that!
I will see what I can get.
Do I need to purchase the report to get an idea what's my credit score
standing?
Another reason might be in case the dealer provides whatever a score that's
significantly lower than the 3 bureaus' scores. |
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V*s
发帖数: 2452 | 49 无SSN，申请到了Chase Freedom，在收到卡片的信里，写了我Credit Score是652，
Scoring System Name是Application Score。
分数范围100-990
obtain copy of credit report，让我联系transunion |
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g********n
发帖数: 1613 | 50 There are only 3 FICO scores, each from one credit union
Equifax
Experian
TransUnion
So your credit score from the same credit union, say TransUnion, is unique.
It really doesn't matter where did you get the score from. Therfore, either
Discover or CreditKarma is faking it. I believe it is CreditKarma. |
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