DA_Dave scores a double high 5!
In this week's edition of handing out high fives on the internet, I found this cat who is DYING for someone to high five with him
From his meowing, I was able to decipher that was the one he has been waiting for on this park bench and very much wants a high five from him! Our friend made his triumphant return to Plug-in by scoring not one, but TWO accepted solutions! Two accepted solutions deserves TWO high fives, so be sure to use both hands when virtually high fiving back, Thanks for explaining how a TF card differs from an SD card, giving the low-down on warranties and providing release day reassurance - such a champ!
Welcome back!
Follow the link to Take a Picnic with
Similar Messages
-
Geekbench score should be higher (new Mac vs older Mac)
Hello, I have a Mac Pro 2006 1,1 model that has been upgraded to an 8-core x5355 cpu, a 280x gpu, an ssd drive, etc. its geekbench score went from about 4,800 to about 9,500 (after these additions). After that, i ran a geekbench test on another, newer Mac, and the score was at about 10,500, but it performed VASTLY superior to the older Mac. For example, when using Open Broadcast to stream a video game running on the mac to Twitch.tv, the cpu usage would be at around 50 percent (so all 8 cores would show about 50 percent usage each(, and if i tried to view my broadcast simultaneously on google chrome, it would just to about 80 percent usage. On the newer Mac, I ran the same test, and it was only at about 5-10 percent usage for each of the 8 cores when simply streaming, and about 10-20 usage when streaming AND viewing the stream on google chrome. I even added more window captures to the feed, and it wouldnt tax the CPU. The GPUs were the same in the comparisons. So does that mean that geekbench isn't really testing CPU performance, or something?
The next upgrade for your 1,1:
Lycom DT-120 M.2 PCIe to PCIe 3.0 x4 Adapter (Support M.2 PCIe 2280, 2260, 2242)
Samsung XP941 256GB PCIe 2.0 x4 M.2 SSD MZHPU256HCGL at Amazon
XP941 bootable in the '09 MacPro - Bootable NGFF PCIE SSD - Page 9
* XP941 are bootable in all Mac Pro models and are of the same design as the blade SSD used in nMPs -
Hi,
I need to divide a measure in the middle of a song (in a 2/4 time signature) with a double bar:
| quarter note || quarter note | half note | half note | etc.
|: bar
||: double bar
Is it possible to do this?
Thanks.Hi,
I need to divide a measure in the middle of a song
(in a 2/4 time signature) with a double bar:
| quarter note || quarter note | half note | half
note | etc.
|: bar
||: double bar
Is it possible to do this?
Thanks.
Yes, Juat drag a double bar symbol from the part box (keeping an eye on the help tag) to the beginning of the appropriate measure.
It is global btw and willl appear on all parts. -
Hi I recently made a game(dosen't really matter what kind) in which the user gets a score and saves the score to my high score table.
I do this by connecting to a .php page and passing the score and name variables on to it. (www.random.com/blablabla.php?name=bla&score=676) The page then opens the mySQL table and saves the high scores. THe page is opened from within the applet and the user dosen't see the page opening.
The problem I am having is security, and i'm trying to make it so that nobody can access that php page from their browser and input whatever score they want and what not. THis was brought to my attention by my friend who put images(none rude) and hyperlinks allover my high score page. He was nice enough to tell me so now I am trying to fix it.
THe first steps I took were to not package the source code with the jar(which he downloaded and extracted). But even then I could decompile the class file and search the file for ".php" and easily know what url to type into the browser to input any score for my game. I then tried using an obfuscator, ProGuard, which didn't help me much. It only renamed all the classes and variables, but the String I open for the high score I still very easily visible. Also from other people I got the general opinion that they(obfuscators) aren't much good as they only make it slightly harder to people to get the information, not make it impossible.
Basically what I want to do is to make it as hard as possible for people(namely my friend...) to find out the page which saves the high scores, and type it into their browsers so they can input whatever high score they want. Obfusticating didn't help much and now I am running out of ideas. I was thinking about:
Making sure the thing that oppened the page is an applet, but I'm not sure how to do this. This would be my ideal solution as I am not too worried about people who would go out of their way to make an applet with the same name as mine just to "hack" my high scores which aren't even worth hacking. But how would I go about doing this?You could do this using a client/server system comminicating using sockets, rather than simply a HTML request sent from the client. This way the client could be required to provide some validation before the server accepts score updates from it.
The trick is to decide how the validation is done; you need to be able to differentiate between genuine clients and a client your friend has decompiled and changed so he can cheat.
Remember that your friend can see exactly how the client works, but cannot see how the server works. Maybe you could send a copy of the client class object to the server and then the server could checksum it? -
Hello everyone, i just came here to ask how to add a high score feature in as3 for android and ios. I want it to display on the main menu of the game. Heres my main file (game.as). I am wondering how i would implement it into that? (as you can see i have tried but failed...) please point me in the right direction on this one I want it to display in a dynamic text field called "bestScore" in a movieclip called "HighScore" the instance name of HighScore is bestScore so idk lol. Im new to as3... My score is in a movieclip called "Score" and the dynamic text field is "scoreDisplay" and the instance name is "gameScore" If that helps. Heres my game.as:
[as]
package
import flash.display.MovieClip;
import flash.utils.Timer;
import flash.events.TimerEvent;
import flash.ui.Mouse;
import flash.events.KeyboardEvent;
import flash.ui.Keyboard;
import flash.events.Event;
import flash.media.SoundChannel;
import flash.net.SharedObject;
public class Game extends MovieClip
static var ship:MovieClip;
static var healthMeter:HealthMeter;
static var score:Score;
static var highScore:HighScore;
static var enemyShipTimer:Timer;
static var gameOverMenu:GameOverMenu;
static var startMenu:StartMenu;
static var startButton:StartButton;
static var pauseButton:PauseButton;
static var playButton:PlayButton;
static var mainMenuButton:MainMenuButton;
public var currentValue:Number;
public var sharedObject:SharedObject;
public function Game()
Key.initialize(stage);
ship = new Ship();
healthMeter = new HealthMeter();
var score:Score = new Score();
var highScore:HighScore = new HighScore();
addChild(score);
addChild(highScore);
gameScore.visible = false;
bestScore.visible = true;
healthMeter.x = 2.5;
healthMeter.y = 576;
gameOverMenu = new GameOverMenu();
gameOverMenu.x = 217;
gameOverMenu.y = 244;
addChild(gameOverMenu);
gameOverMenu.visible = false;
gameOverMenu.playAgainButton.addEventListener("mouseDown", newGame);
startMenu = new StartMenu();
mainMenuButton = new MainMenuButton();
startButton = new StartButton();
startMenu.x = 151;
startMenu.y = 111;
startButton.x = 93;
startButton.y = 426;
mainMenuButton.x = 656;
mainMenuButton.y = 483;
addChild(mainMenuButton);
mainMenuButton.visible = false;
stage.addChildAt(startMenu, 0);
addChild(startButton);
startMenu.visible = true;
startButton.visible = true;
startMenu.visible = true;
startButton.addEventListener("mouseDown", newGame);
mainMenuButton.addEventListener("mouseDown", mainMenu);
pauseButton = new PauseButton();
pauseButton.x = 896;
pauseButton.y = 63;
pauseButton.addEventListener("mouseDown", PauseGame);
playButton = new PlayButton();
playButton.x = 896;
playButton.y = 63;
addChild(playButton);
playButton.visible = false;
playButton.addEventListener("mouseDown", PlayGame);
static function gameOver()
mainMenuButton.visible = true;
healthMeter.visible = false;
pauseButton.visible = false;
gameOverMenu.visible = true;
enemyShipTimer.stop();
for (var i in EnemyShip.list)
EnemyShip.list[i].kill();
ship.takeDamage(-ship.maxHealth);
function newGame(e:Event)
addEventListener(Event.DEACTIVATE, PauseGame);
bestScore.visible = false;
gameScore.visible = true;
addChild(pauseButton);
addChild(healthMeter);
addChild(mainMenuButton);
enemyShipTimer = new Timer(750);
enemyShipTimer.addEventListener("timer", sendEnemy);
addChild(ship);
healthMeter.visible = true;
startMenu.visible = false;
mainMenuButton.visible = false;
startButton.visible = false;
healthMeter.visible = true;
pauseButton.visible = true;
playButton.visible = false;
gameOverMenu.visible = false;
ship.visible = true;
ship.x = 367;
ship.y = 542;
enemyShipTimer.start();
currentValue = 0;
updateDisplay();
function mainMenu(e:Event)
removeEventListener(Event.DEACTIVATE, PauseGame);
bestScore.visible = true;
gameScore.visible = false;
removeChild(mainMenuButton);
removeChild(ship);
healthMeter.visible = false;
startMenu.visible = true;
mainMenuButton.visible = false;
startButton.visible = true;
healthMeter.visible = false;
pauseButton.visible = false;
playButton.visible = false;
ship.takeDamage(ship.maxHealth);
gameOverMenu.visible = false;
function PauseGame(e:Event)
enemyShipTimer.removeEventListener("timer", sendEnemy);
stage.frameRate = 0;//
pauseButton.visible = false;
playButton.visible = true;
function PlayGame(e:Event)
enemyShipTimer.addEventListener("timer", sendEnemy);
stage.frameRate = 30;//
pauseButton.visible = true;
playButton.visible = false;
public function Counter()
reset();
function sendEnemy(e:Event)
var enemy = new EnemyShip();
stage.addChildAt(enemy, 0);
addToValue(1);
function addToValue( amountToAdd:Number ):void
currentValue = currentValue + amountToAdd;
updateDisplay();
function setValue( amount:Number ):void
currentValue = amount;
updateDisplay();
function reset():void
currentValue = 0;
updateDisplay();
function updateDisplay():void
gameScore.scoreDisplay.text = currentValue.toString();
function getFinalScore():Number
return gameScore.currentValue;
public function GameOverScreen()
sharedObject = SharedObject.getLocal("natdScores");
public function setFinalScore( scoreValue:Number ):void
gameScore.text = scoreValue.toString();
if (sharedObject.data.bestScore == null)
sharedObject.data.bestScore = scoreValue;
else if ( scoreValue > sharedObject.data.bestScore )
sharedObject.data.bestScore = scoreValue;
bestScore.text = sharedObject.data.bestScore.toString();
sharedObject.flush();
[/as]
Thanks in advance
-Benhello again, i added that code to the updatedisplay function with the currentValue.toString(); because putting a number there would achieve nothing here, and it works, but it doesnt save the highest score. whatever score is the last score it puts it there, becoming like a last score than a high score feature. heres my game.as again with your help
[as]
package
import flash.display.MovieClip;
import flash.utils.Timer;
import flash.events.TimerEvent;
import flash.ui.Mouse;
import flash.events.KeyboardEvent;
import flash.ui.Keyboard;
import flash.events.Event;
import flash.media.SoundChannel;
import flash.net.SharedObject;
import flash.text.TextField;
public class Game extends MovieClip
static var ship:MovieClip;
static var healthMeter:HealthMeter;
static var score:Score;
static var highScore:HighScore;
static var enemyShipTimer:Timer;
static var gameOverMenu:GameOverMenu;
static var startMenu:StartMenu;
static var startButton:StartButton;
static var pauseButton:PauseButton;
static var playButton:PlayButton;
static var mainMenuButton:MainMenuButton;
public var currentValue:Number;
public var sharedObject:SharedObject;
public function Game()
Key.initialize(stage);
ship = new Ship();
healthMeter = new HealthMeter();
var score:Score = new Score();
var highScore:HighScore = new HighScore();
addChild(score);
addChild(highScore);
gameScore.visible = false;
bestScore.visible = true;
healthMeter.x = 2.5;
healthMeter.y = 576;
gameOverMenu = new GameOverMenu();
gameOverMenu.x = 217;
gameOverMenu.y = 244;
addChild(gameOverMenu);
gameOverMenu.visible = false;
gameOverMenu.playAgainButton.addEventListener("mouseDown", newGame);
startMenu = new StartMenu();
mainMenuButton = new MainMenuButton();
startButton = new StartButton();
startMenu.x = 151;
startMenu.y = 111;
startButton.x = 93;
startButton.y = 426;
mainMenuButton.x = 656;
mainMenuButton.y = 483;
addChild(mainMenuButton);
mainMenuButton.visible = false;
stage.addChildAt(startMenu, 0);
addChild(startButton);
startMenu.visible = true;
startButton.visible = true;
startMenu.visible = true;
startButton.addEventListener("mouseDown", newGame);
mainMenuButton.addEventListener("mouseDown", mainMenu);
pauseButton = new PauseButton();
pauseButton.x = 896;
pauseButton.y = 63;
pauseButton.addEventListener("mouseDown", PauseGame);
playButton = new PlayButton();
playButton.x = 896;
playButton.y = 63;
addChild(playButton);
playButton.visible = false;
playButton.addEventListener("mouseDown", PlayGame);
static function gameOver()
mainMenuButton.visible = true;
healthMeter.visible = false;
pauseButton.visible = false;
gameOverMenu.visible = true;
enemyShipTimer.stop();
for (var i in EnemyShip.list)
EnemyShip.list[i].kill();
ship.takeDamage(-ship.maxHealth);
function newGame(e:Event)
addEventListener(Event.DEACTIVATE, PauseGame);
bestScore.visible = false;
gameScore.visible = true;
addChild(pauseButton);
addChild(healthMeter);
addChild(mainMenuButton);
enemyShipTimer = new Timer(750);
enemyShipTimer.addEventListener("timer", sendEnemy);
addChild(ship);
healthMeter.visible = true;
startMenu.visible = false;
mainMenuButton.visible = false;
startButton.visible = false;
healthMeter.visible = true;
pauseButton.visible = true;
playButton.visible = false;
gameOverMenu.visible = false;
ship.visible = true;
ship.x = 367;
ship.y = 542;
enemyShipTimer.start();
currentValue = 0;
updateDisplay();
function mainMenu(e:Event)
removeEventListener(Event.DEACTIVATE, PauseGame);
bestScore.visible = true;
gameScore.visible = false;
removeChild(mainMenuButton);
removeChild(ship);
healthMeter.visible = false;
startMenu.visible = true;
mainMenuButton.visible = false;
startButton.visible = true;
healthMeter.visible = false;
pauseButton.visible = false;
playButton.visible = false;
ship.takeDamage(ship.maxHealth);
gameOverMenu.visible = false;
function PauseGame(e:Event)
enemyShipTimer.removeEventListener("timer", sendEnemy);
stage.frameRate = 0;//
pauseButton.visible = false;
playButton.visible = true;
function PlayGame(e:Event)
enemyShipTimer.addEventListener("timer", sendEnemy);
stage.frameRate = 30;//
pauseButton.visible = true;
playButton.visible = false;
public function Counter()
reset();
function sendEnemy(e:Event)
var enemy = new EnemyShip();
stage.addChildAt(enemy, 0);
addToValue(1);
function addToValue( amountToAdd:Number ):void
currentValue = currentValue + amountToAdd;
updateDisplay();
function setValue( amount:Number ):void
currentValue = amount;
updateDisplay();
function reset():void
currentValue = 0;
updateDisplay();
public function updateDisplay():void
TextField(gameScore.getChildByName("scoreDisplay")).text = currentValue.toString();
TextField(bestScore.getChildByName("bestScore")).text = currentValue.toString();
function getFinalScore()
return gameScore.currentValue;
public function GameOverScreen()
sharedObject = SharedObject.getLocal("natdScores");
public function setFinalScore( scoreValue:Number ):void
gameScore.text = scoreValue.toString();
if (sharedObject.data.bestScore == null)
sharedObject.data.bestScore = scoreValue;
else if ( scoreValue > sharedObject.data.bestScore )
sharedObject.data.bestScore = scoreValue;
bestScore.text = sharedObject.data.bestScore.toString();
sharedObject.flush();
[/as] -
Hi, I almost finish a game, I get my score and just need to save it to the "highscore screen" movieclip. Basically all I want is to take my score to the high scores, which will be a list of maybe 5 scores for example, and when you get a higher score, replace the lower one with it. Anybody knows the code for that?
Thanks in advanceyou don't need a button.
just save the score (if it's a high one) when a game/level/whatever is complete, or even when the player's score is updated and qualifies. -
Pre-Approved for Merrick Double Your Line BUT...
I've been rebuilding my credit for a little over a year and have had great success with it so far. Last week I received a pre-approval offer for Merrick Bank's Double Your Limit, with what I think are probably some of the best terms they offer: No annual fee$1250 limit, to double in 7 months if conditions are met0% interest for 12 months19.45% thereafterI had decided to accept this offer as I really want to close my CapOne Secured, but there's one problem... They ran their original soft pull in May, but I just barely opened an Amazon Store Card. I checked on MPM, and my scores have fallen almost 40 points across the board since yesterday. Honestly I'm pretty surprised the hit was so drastic; I expected there would be some decrease due to the inquiry and the decline in Average Age of Accounts, but 40 points seems excessive. It's probably because I made a purchase on the card that brought the utilization up to 32%, but my overall utilization is excellent... Anyway, that's not the point. The point is, I'm afraid to try to accept the offer now. Has anyone been offered terms like these with a lower score? Mine was about 710 when they pulled, is now 670. I already made a payment that brought my Amazon utilization down to 23%, and will make another in about two weeks. Is there any chance my scores will rebound by the end of the month? The offer expires August 27th. Do you think if I let it expire, wait for my scores to increase, and then call they might re-extend the offer? I know it's not the very best card or anything, but it would be my first granted unsecured, and my first with an interest rate under 20%. I'm still very timid about applying for cards, even with my credit being improved (though less so now lol) so the pre approval made me feel a little more secure until I checked MPM. Now I'm just kind of bummed Thanks in advance for the feedback.
It's my understanding that Double Your Line is Merrick's credit rebuilding card. They have a secured version, and unsecured which is invite only. The invitations often have different APRs and fees based on the soft pull the do for the invite. This was the card and terms offered to me at 710, which obviously they won't approve at 670. Ignore me, I'm an idiot... I thought you were saying my scores weren't good enough for Merrick so I was confused! I like the Quicksilver, also like the Chase Freedom, I'm just worried my scores aren't high enough for either after this recent hit.
-
Scoring the High 5 of the week is no easy feat and so we thought it was time to show you a little more behind the scenes action on the awesome members who do! This new series will delve in to their deepest darkest secrets OR maybe just a few fun tidbits
didn't just score a high five last week but a double high 5! It had been a long while since we last saw him so we cornered him to find out:
What do you like most about the Plug-in Community?
Getting to share knowledge with so many people. I learn so much from the questions and anwers on here!
Describe yourself in 3 words
Proud New Father (possibly "I miss gaming" depending on the day )
What piece of tech are you coveting right now?
Muse, I can't help but be curious about affordable tech that reads brain signals.
On a Saturday afternoon, you're most likely to be.....?
Either in front of my computer gaming or at the park having a picnic.
What's the last video game you played?
Assassin's Creed Unity, getting ready for SyndicateFollow the link to Take a Picnic with
-
Why does my FICO score keep on dropping???
I check my FICO score that comes with my Discover card. I don't understand what's going on. My FICO score keeps dropping. About 6-7 months ago my score was a 832. I've had this score for a while. The following month it dropped down to a 789. Basically 43 points. The only thing I could think of was that I had used my Discover card quite a bit that month (3,000 out of the $6000 limit). But as I always do every month, I paid everything off in one shot. After a couple of months, it went back up to a 801. This is nowhere close to the 832 I originally had. I check this month and lo and behold, it's dropped back down to 786. The only thing that I could of think of out of the ordinary was getting a pre-approval for a loan. Just a pre-approval. Would this cause it drop back down this much? I don't understand why my FICO score keeps dropping. Would these 2 things cause it to drop down this much? I pay my credit cards off in full every single month. I don't have any other mortgage or loan.
GiJoe81 wrote:
Thanks for the post. I don't have any debt. Literally 0. I have a BOA Visa card which has a credit limit of $17,000. Of that, I have a zero balance. My Discover card has a limit of $6,000. Back 6-7 months ago, I had charged $3,000 of the $6,000 limit on the Discover card. I paid everything off in one shot before the due date. This is the month that my credit score dropped from a 832 down to a 789. For the past 6-7 months I've never charged more than $1,000 on my BOA card and never more than $200-300 on my Discover card. As mentioned, everything is always paid off in full before the due date. Haven't had any type of revolving debt for the past year. I ran my credit report about 2 months ago (when I did a pre-approval) and under the "Key factors that adversely affected your credit score" it states the following: Equifax: TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT. TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS. TOO MANY ACCOUNTS WITH BALANCES. Transunion: TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT. INSUFFICIENT LENGTH OF REVOLVING CREDIT HISTORY. LACK OF RECENT INSTALLMENT LOAN INFORMATION. INSUFFICIENT LENGTH OF CREDIT HISTORY. What kind of worries me is that it's saying I have too many customer finance company accounts and that the time since most recent account opening is too short. I don't believe this to be true. I only have a Discover card, BOA visa card, HSBC online savings account, and my checking account. I don't get what's going on First off...You have fantastic credit scores! The problem is that you don't have enough credit cards. You need a MINIMUM of 3 credit cards to be able to achieve the highest scores. Credit cards are the foundation of rock solid high credit scores in the future. Not many people can keep a mortgage open for 20 years but it is relatively easy for most people to keep a credit card open for 20 years. FICO has a number of calculations that are credit card specific and if you don't have at least 3 credit cards there is absolutely no way to "earn" all the points that you are entitled to. A case in point: FICO wants you to use your credit cards and you get points for having one card report a balance that is less that 10% of its credit line. BUT...FICO also doesn't want you to use too much credit so if you have 50% or more of your cards report a balance you get nicked points. By having only 2 credit cards you can't win that battle. I suggest that you app for 2 new credit cards each year until you end up with 5 to 8 quality cards that you can keep open for the rest of your life. Your scores are so high that you will qualify for ANY credit card that you desire. I would suggest that you apply for an AMEX Blue Cash Everyday and a CitiBank Double Cash Back card right now. A year from now pick up 2 more cards. Your scores are fluctuating wildly because of the uneven use of your 2 cards. If you use 1 card you are using 50% of your available cards and that is much too high by FICO standards. Having more credit cards will level your scores out and keep them from jumping around so much. -
Balance dropped, score dropped. FICO scores a mystery.
They only reason to pay for the service of credit monitoring here on myFICO is so you have some idea of where you stand when you apply for any type of credit or loan. All the information about understanding FICO scoring is all cookie cutter garbage that you can read on any other "credit monitoring" service. And the people that work for myFICO have no idea what they are talking about either. They just repeat the same cookie cutter garbage I was just mentioning. I really hope they are providing their "services" for free, because if they receive any kind of compensation, it is undeserved. My statement balance on my American Express Everyday card went from $50 to $0 and my scores dropped by 11, 12, and 17 points (Equifax, TransUnion and Experian.) I brought the statement balance back up to $50 the VERY next month. Did my scores recover the lost points I just lost a month ago? No. And I am sure all these "credit experts" will say, "something else in your report must have changed." That is code for, "I have no idea what happened, I am just as clueless as you why your score changed the way it did." The precise formula for generating your FICO score is a well guarded secret. It is the same formula used in determining battle damage to your characters in the old Sega Master System game Phantasy Star. Sometimes when attacked, your character would lose 6 health points, other times 80 health points, and even other times 3/4ths of your total health, and so on and so on. This is how FICO scoring works. The formula basically goes, OOGA BOOGA, OOGA BOOGA, this is your updated score. The only advice on this site (again which you can find on EVERY other credit monitoring service) that is worth anything is what responsible credit habits you should be practicing. Other than that, just hope for the best. Your score is a mystery, and it always will be.
Beavakos wrote:
What difference does it make if there are any negatives on my report? I lost points for doing something negative, which is bringing my balance to zero, than returning it back to its previous balance. THAT IS ALL I DID. I thought time heals all wounds when it comes to credit. Any credit missteps I might have had taken should be corrected with time. I really don't know how to make this any clearer. Nothing in my report changed except TIME. If I have two dollars in my bank account, and spend one dollar, then deposit one dollar, I should have now have TWO dollars AGAIN. ?????????????????I understand what Beavakos is saying here and we all get it. Most of us love analyzing data which is why we are here after we've already cleaned up our reports and greatly increased our scores. Again, I understand how Beavakos feels - it is said time and again that UTIL has no memory and what is lost due to UTIL will be regained - well, not always true. Looking strictly at the data two things changed on Beavakos' report: 30 days were added to age and UTIL went from something above 0% to 0%, then back again and yet Beavakos' score did not fully recoup the loss. The reason for this, I think, is very clear - we do not know as much as we think we know about FICO or any other scoring algorithm. If I lost 10 points for going from 5% UTIL down to 0% UTIL but then gained those 5 points back by raising my UTIL to 5% again then scoring algorithm's are not as complicated as they are made out to be and are thus not worth paying for. The previous scenario is simple math and if indeed it was only that I should be able to retest that hypothesis time and again and get the same exact results - not happening. That said, I do not believe that scoring is a crap shoot or something only a witch doctor can understand. It is a complicated mathematical equation that has 100's, if not 1000's, of factors all having a different weight at a different time and I believe there is no one that can determine with 100% accuracy the effect any one factor, forget about multiple factors, will have on your score. Not even the people who wrote the code would know as no one person wrote the whole code. We should probably stop getting so frustrated with how our scores react to the different changes in our reports. The reason we get upset is that we think this is some simple black and white game and it's not. It is very complicated and we will never know what we want to know to the accuracy level we want to know it. What's important is we know what hurts our score to a high degree and what helps our score to a high degree. Take care of all those things we know about and your score will go up; don't take care of those things and your score will go down. After that it is just a game we play to see how we can get to 800... -
First wanted to say thank you to the people who post on these forums. About 2 years ago I started on my journey with a 589 and am well on my way to what I hope is north of 700. I would not have been able to get there without the adivce I found here. For the last year I have been working on an OIC and repayment of State taxes. From these 2 agencies I had 3 liens placed on my report.The liens were for $50k, $6k and $2k. All 3 of these liens should be cleared in the next 60-90 days and updated to my report as I am in the final stages of my OIC and only have a couple hundred remaining to pay in back state taxes that is tied to two liens. Beyond this, I opened up 6 credit cards and had a secured card recently converted to unsecured. By November, 5 of these cards will be over a year. But I did get into some debt as going into this month I had $13,500 on my balances but I never missed a payment and often paid 2x to 3x the minimum. Just this week cleared $12,500 of my credit debt. While be able to pay the full amount one of my cards has a 0.00% APR that expires in December of this year. I'll have that paid off in full well before the APR kicks in but right now used that money to pay off my tax stuff. That said, my current scores are:Equifax - 633TransUnion - 636Experian - 642 At various points over the last 2 years these scores got as high as 690 and I think most of the decline was due to my debt. The Fico similator suggested that if I paid down by balances on the card over 24 months my score would have gone to 727. If I cleared the balances it would go to 697. I am assuming this factored in my liens. So does anyone know how much movement clearing 3 liens off my record could have? When they are gone I will have no collections and no public records on my report. Is it realistic for me to think 720 is within reach by the end of the year if I keep on course?
NoTUScore wrote:
So does anyone know how much movement clearing 3 liens off my record could have? When they are gone I will have no collections and no public records on my report. Is it realistic for me to think 720 is within reach by the end of the year if I keep on course? Any other derogs at all? Charge offs? 30, 60, 90, 120 lates? will your file be completely clean? -
Scores increase-credit card usage
So I know this is probably a broad question but was trying to find some feedback on the scoring changes to the positive side when using your credit cards to try and bump up that FICO score. Typically what have you guys experienced as score increases by using your cards and what are your normal ebs and flows, do you PIF every month, save a little balance, do you use every card in your portfolio or do you just rotate a couple???? Obviously we all have different CL's and utilizations but based on your util what kind of increases do you see? I apologize up front if this has been covered or if this is in the wrong location. I took a break and just recently came back to the boards for some information covering different topics. I am currently trying to hit a target of 820, sitting at about 770 right now. Just added a new AMEX card to my stable and it will be heavily used and PIF every month until I get my sign on bonus and that great 3xCLI, hopefully lol. I guess I'm trying to figure out what kind of sweet spot people see as a guide in increasing their scores. I'm not looking to do this overnight because based on my experiences my scores have gradually increased over the long term. I'm in the garden for a while probably because I'm not looking to add a bunch of new cards or even loans. Cards are all paid off and typically I PIF. Thx for feedback
For the best Fico scoring, they say to only let one card report less than 9% util, and let all others report at 0%. The util. that will hurt your score (trust me I know) is letting even one account go over 30% util. (even if you total util. is less than 9%, that one card over 30% will ding your score.. the higher % over the greater the ding).
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Vectors : Converting to double[ ] array
Hello,
I have a vector which I know consists of double values only. I am trying to create an array of double from this vector but am having some difficulty.
Firstly if I try this :
double[] high = (double[])datavector.high.toArray(new double[0]);JBuilder reports :
'Cannot find method toArray(double[])'
But if I try this :
Double[] high = (Double[])datavector.high.toArray(new Double[0]);It works.
So from this I assume 'Double' is not equal to 'double'
The trouble is I require 'double[ ]' and NOT 'Double [ ]'.
Casting Double as (double) does not work... so how do I get double[] from my original vector ?
Many thanks
Kerrydouble[] d = new double[v.size()];
int i = 0;
for(Iterator<Double> it = v.iterator(); it.hasNext();)
d[i++] = (double)it.next();
just declare the double array to be the size of the vector, then loop thru and populate the array one at a time
~Tim -
Magic score needed for mastercard synchrony cards
taxi818 wrote:
Since we are talking Synchrony and i don't have any of their mastercards except Paypal. Which i got at about 680 i think iirc. I tried for ebates around Xmas time and was at 687 Declined. Not sure if i should give it another go. as im at 731 Tu . 2 inquiries. but i still have 5 new accounts in the last 6 months. Any body think my chances are good??Personally I would go for a different card with your TU scores being that high that yields better benefit, unless you really shop at EBATES and would utilize it... I think you would be approved though, but believe there are better option out there such as the FID Amex which will pull TU if done right if you are looking for a TU puller or something similiar.taxi818 wrote:
CreditCuriousity wrote:
taxi818 wrote:
Since we are talking Synchrony and i don't have any of their mastercards except Paypal. Which i got at about 680 i think iirc. I tried for ebates around Xmas time and was at 687 Declined. Not sure if i should give it another go. as im at 731 Tu . 2 inquiries. but i still have 5 new accounts in the last 6 months. Any body think my chances are good??Personally I would go for a different card with your TU scores being that high that yields better benefit, unless you really shop at EBATES and would utilize it... I think you would be approved though, but believe there are better option out there such as the FID Amex which will pull TU if done right if you are looking for a TU puller or something similiar.True. looking for Tu puller. So what you are saying They will pull any of the reports. if that is all they had huh? if that is the case. don't i need some kind of special account to open that Fid Amex?Nah don't need a special account at all.. Also a link for a $50 bonus as well I will post here if interested. $50 dollars for $500 spend.. link should work for you.. I have money with Fidelity and a Fid Cash Management Acct., but they aren't needed. I think I got the offer due to the cash management account or 403/401 accounts, but it isn't needed. It asks for Fidelity account # and amount you have invested to determine CL, but not required, just so they can advertise to you... https://www.applyonlinenow.com/USCCapp/Ctl/entry?sc=VACD37&GV5=H%7C861%7C_CV2 -
What do lmost lenders use for Mortage scores
Hello all - first time poster - Looking to take out my first Mortage in the next few months. My fico scores are 666 - Equifax, 687 - Transunion, 686 Experian. From what I understand this is right on the bottom line of what most lender will approve or much less offer a decent rate. Does anyone know what scores are pulled by what lenders? I'm concerend i'll go into this process assuming I should be approved for a loan and they'll pull some mortage enhanced scores that I've never seen that might be even worse than my standard fico scores. As a result i'll incurr hard credit hit and not be approved. Any help reagarding this subject is most appreciated. Thank you
LCD328 wrote:
Thanks. Is it typical that the mortgage scores are normally higher than the fico 8 scores?I think it depends on your profile. I've seen some on here that post their mortgage scores lower; however, my mortgage scores are significantly higher then my FICO8
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