[TodaysAction]

From here forward, the report will be presented in another format. All will still be listed but they will have a "credit score" following their name plus any comments needed. Everyone starts at zero. When you take a loan your score goes into negative numbers but as you make payments it returns to zero, passes it and when paid in full earns certain status. Payoff loans early as is to your advantage since it will increase your rating. Making timely payments also helps. Slow pay, stiff or other actions and your score will reflect that as well. Before any asks, I use a chart that determines the value for each transaction or lack of.

B1GER1C828, -10, two outstanding loans
big jose 1212, -29
BigOrangeTitans, -28
blackbeSSt, +2
BurtRap, -1

cappersedge, +1
CarSeller4, +1, 3 PAID IN FULLS & loan in progress
CecilCollins, +4, 2 PAID IN FULLS
Chugs, +2, 2 PAID IN FULLS
CMattis22, +1, removed from stiff list provided payments keep being made
compaqdikk, +1

DacBietViet, -6 & loan in progress
DaProfeesor23, +1 & loan in progress
DBurton81, -5, loan in progress
DoctorX79, -14, loan in progress
droc owes yisman but the terms are not public
dtp, -33

GamblingMike, -5 & loan in progress
gotemcoach1523, -2 & loan in progress

HotStreak owes Fishhead -6 & loan in progress

iceminers26: +2 & loan in progress, 2 PAID IN FULLS
icsky3, -10 & 2 outstanding loans
Illmatick, -6 & loan in progress
Infamousbacard, 0 & loan in progress
Irish Lumberjack, 0
iwutitan, -150 owes

Jasont, -6 & loan in progress
johncrud, -6 & loan in progress
jrod124, +1

koby25, +2

landers781, -2 & loan in progress

Mendozaaaa, -2 & loan in progress
Mocash, -1 & loan in progress

pegasus, +1
pitman, +3 & 2 PAID IN FULLS
psu017, -50
PureGuava, -7 & loan in progress
RaisyDaisy, +1
rake922, -2
RobbReport, -3 & loan in progress
Rush, -48

shantystar, -4 & loan in progress
soaked in sweat, +5 & 4 PAID IN FULLS
Sprtbuff, -7 & loan in progress
StraightShooter, -2 & loan in progress

teaserpleaser,-2 & loan in progress
tullymore, -3 & loan in progress

ucbearcats1027, +4 & 2 PAID IN FULLS
Unicorn7, +2

winyourmoney, -59

I have the balance sheet with amounts and to whom as well but feel the persons/posters credit score is more important at this point which is why the change was made. Remember this is a work in progress and may be modified to better the loaning community and negative scores, unless they have a loan in progress, are not a good feature.

[TodaysAction]

This is becoming a joke. Way to me people not paying people back.

Sad but true and some aren't even making a minimum payment when they get their six for the day.

[tblues2005]

TodaysAction that is so crazy that these clowns will not pay you back at all. It sure shows how much of a stiff that they are. I wonder if they do this for real or not.

[Shortstop]

It's Bush League that some of these guys aren't paying back at least 6 a day in order to fulfill their obligation!

[iceminers26]

good idea

[big joe 1212]

Where do you get my figure from???

Don't worry! You will soon be on my new SBR Book Blacklist!!! Along with Greatrace!

[thadchr]

I kinda liked the old way better...

I agree with Mex; it would be nice to see the loan amounts. If a guy only owes someone else 10 points, I don't mind issuing them a loan to pay that guy back and then deposit the rest.

Also, I don't report all the new loans I give out, as it would just be to cumbersome, so if guys don't personally report to you that they've paid back their loans, their credit scores won't go up or down.

[williams22]

TA, can you please post the formula you are using to generate the scores? That way it will have more meaning to us all.

Anyways, here's updates on 3 of the large loans I have out:
PureGuava: Has paid 54 of 180 (Extremely prompt payer, highly recommended to everyone)
icsky3: Has paid 78 of 150
Sprtbuff: Has paid 36 of 180

[CMattis22]

I've actually paid 2 loans back and still continuing payments on a current loan to masticore

[johncrud]

johncrud, -3 & loan in progress

johncrud, -6 & loan in progress

this guy actually had my name twice. so which score do I deserve in reality? -3 or -6??

the score doesn't tell you a whole lot. I may borrowed 50 pts from thad but I am a winner more often than not. i used to have 80 pts but by following this douchebag's system i lost all my pts. if i use my own system, i would have been up in the 150 or 200 pts by now. plus i won some pts yesterday so i am in the positive even though i have that 50 pts in loan.

fyi.. you should be looking for people who borrowed pts and a loser at gambling.. i dont lose often.. i am very patience you can ask mex how much pts I won from him since day 1, in spite 2 previous bad days..

[masticore]

CMattis22 29/55
B1GER1C828 18/275
shantystar 15/138
Tammy Sue 0/1 (only the rent)*

every payment in time

*Have a offer to mine "loaner" that they can bet on credit

[iceminers26]

Paid Thad back in full (40 total points) this morning, 6 days earlier before deadline.

[dtp]

LOL if you guys actually give TA any relevance with this thread.. he is a complete fraud.. he can't even respond to a simple question i asked him yesterday.
he knows he is a joke but won't admit it.

why in the world i am -33 or whatever the **** that means is just pure fkn stupidity. i have paid in full the only loan i have ever taken..

TA dude you are a ****ing joke, that's the end of story.

[thadchr]

Any word on gotemcoach? Who is he currently paying? He's currently got a loan out with me that's well past due.

Also, has anyone seen tullamore around? I thought he had up and vanished (also has a late loan with me) but I suddenly received 6 points from him the other day... via an official points transfer, not even in his payback thread. Anyone in contact with him?

[big joe 1212]

LOL if you guys actually give TA any relevance with this thread.. he is a complete fraud.. he can't even respond to a simple question i asked him yesterday.
he knows he is a joke but won't admit it.

why in the world i am -33 or whatever the **** that means is just pure fkn stupidity. i have paid in full the only loan i have ever taken..

TA dude you are a ****ing joke, that's the end of story.

He does not answer questions when he is wrong! He is a
He has figures on there from the credit book that was a scam operation!

He has 24 hours to remove it before I launch an all out attack again!

[TodaysAction]

I've actually paid 2 loans back and still continuing payments on a current loan to masticore

Sir,

Considering you were listed under the section of people I wouldn't loan to, I thought you would rather "lose" that label/tag instead of the paid in fulls since each person has only one line.

[TodaysAction]

johncrud, -3 & loan in progress

johncrud, -6 & loan in progress

this guy actually had my name twice. so which score do I deserve in reality? -3 or -6??

the score doesn't tell you a whole lot. I may borrowed 50 pts from thad but I am a winner more often than not. i used to have 80 pts but by following this douchebag's system i lost all my pts. if i use my own system, i would have been up in the 150 or 200 pts by now. plus i won some pts yesterday so i am in the positive even though i have that 50 pts in loan.

fyi.. you should be looking for people who borrowed pts and a loser at gambling.. i dont lose often.. i am very patience you can ask mex how much pts I won from him since day 1, in spite 2 previous bad days..

Sir,

You need to look at the printed text of the first post in the thread - it has not had any edits to it. Your name is listed but once.

Your credit score is an accurate representation of your activity in terms of loan(s)/payment(s). Your winning/losing has nothing to due your credit score - nothing.

Thanks for trying to tell me how to run my Credit Report on you and others.

[big joe 1212]

21 hours to go!

tick tock tick tock

[Carseller4]

This is becoming a joke. Way to me people not paying people back.

This is a very bitter man. He got stiffed on a loan, and now is secretly hoping others do too. BTW it is "too" not to.

[jasont]

It's actually 12/150. I paid you everyday since the loan was originated. BTW are these scores some random artificial number or is there an equation you're using.

[johncrud]

go lakes and denvers

[williams22]

TA,
You do have johncrud on there twice (he's with the Ds as well). Also, can you please either give us the formula you are using or just go back to posting the actual loans? I think that would be more helpful overall.

As a loaner I'm not sure how I use this right now

[TodaysAction]

I kinda liked the old way better...

I agree with Mex; it would be nice to see the loan amounts. If a guy only owes someone else 10 points, I don't mind issuing them a loan to pay that guy back and then deposit the rest.

Also, I don't report all the new loans I give out, as it would just be to cumbersome, so if guys don't personally report to you that they've paid back their loans, their credit scores won't go up or down.

It takes but only 30 seconds to make a post that they've made a payment. Others may not go looking elsewhere to see if they have. In either case, I can't help that. If they want loans from the general public, it would be in there best interest to update.

TA, can you please post the formula you are using to generate the scores? That way it will have more meaning to us all.

Anyways, here's updates on 3 of the large loans I have out:
PureGuava: Has paid 54 of 180 (Extremely prompt payer, highly recommended to everyone)
icsky3: Has paid 78 of 150
Sprtbuff: Has paid 36 of 180

Thanks for the updates.

CMattis22 29/55
B1GER1C828 18/275
shantystar 15/138
Tammy Sue 0/1 (only the rent)*

every payment in time

*Have a offer to mine "loaner" that they can bet on credit

Thanks for the updates.

Paid Thad back in full (40 total points) this morning, 6 days earlier before deadline.

Well done and thanks for the update.

Any word on gotemcoach? Who is he currently paying? He's currently got a loan out with me that's well past due.

Also, has anyone seen tullamore around? I thought he had up and vanished (also has a late loan with me) but I suddenly received 6 points from him the other day... via an official points transfer, not even in his payback thread. Anyone in contact with him?

Glad tullamore made a payment to you. Having a centralized location to view a persons SBR credit history is a good thing.

Jasont 120 point loan (6/150points)

Thanks for the update.

[big joe 1212]

Todays Action doesn't know his ass from his balls!

[big joe 1212]

Todays Action owes Big Joe 1212 20 points.

paid 0/20

make sure you put this update on your list!

[jasont]

Thats the last time I borrow any pts. This thread is the equivalent to being branded like a Jew, but instead of Hitler, its some random guy with nothing better to do.

[williams22]

Todays Action doesn't know his ass from his balls!

Big Joe,
I think there are certainly improvements that can be made here, but let's not resort to bashing like this. Look, I view you as a very respectable poster based on our interactions. However, posts like the one above hurt you as much as they hurt TA. I realize you have a complaint with him, but I'm not aware of the details. Maybe it's better settled through PMs though?

Too much blaming going on on these forums lately.

[big joe 1212]

Big Joe,
I think there are certainly improvements that can be made here, but let's not resort to bashing like this. Look, I view you as a very respectable poster based on our interactions. However, posts like the one above hurt you as much as they hurt TA. I realize you have a complaint with him, but I'm not aware of the details. Maybe it's better settled through PMs though?

Too much blaming going on on these forums lately.

Maybe if he answered people when he is wrong it would not come to this!

I agreed to leave him alone, but then he took a cheap shot at me in the credit book thread and then adds me to this list when I owe NO ONE!!!!!

So the ball is in his court! Do the right thing here TA! Remove me from your retarted list, stay out of my business and I will stay out of yours! You can keep my 20 points!

[TodaysAction]

It's actually 12/150. I paid you everyday since the loan was originated. BTW are these scores some random artificial number or is there an equation you're using.

jasont,

The scores are not "random numbers". When you loan is paid off, provided you haven't defaulted on it, you will have a credit rating of "+6" if not higher. There was considerable time and effort in putting the process into effect and once a person gets the paid in full label, they "gain" credit (loan) points. Like anything new, this is a work in progress and may change to better reflect a person's rating. All it is, is a place for people to see who's paid back loans, their credit score, etc.

[TodaysAction]

TA,
You do have johncrud on there twice (he's with the Ds as well). Also, can you please either give us the formula you are using or just go back to posting the actual loans? I think that would be more helpful overall.

As a loaner I'm not sure how I use this right now

Thank you for pointing out where the duplicate name was. A simple statement like that would have eliminated much of the spew.

[johncrud]

I know it is bad to loan pts and not pay back... But damn.. 50 pts is only equivalent to 6-7 bucks. so i dont know why i am wasting my time arguing all over this..


I'll be a more happy man if I win money from my books. That is my main goal. Then secondary is betting with points.