LunarCrush LLM | creator/twitter::1299450460970127362/posts

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[@zachtushaus](/creator/twitter/zachtushaus)
"Laying some thoughts on $FICO Been thinking about how the cost of a credit score actually shows up in a mortgage and how invisible it ends up being to the borrower Today a tri-merge credit pull costs around $XXX. Cash buyers probably pay that upfront. But for mortgages those fees usually get rolled into the loan or offset through a lender credit So for most borrowers that $XXX turns into less than $X a month over XX years. Barely noticeable If thats how it works across the board FICO could raise prices and nobody would really feel it. It just disappears into the loan Heres the part that gets"  
[X Link](https://x.com/zachtushaus/status/1977513878662857100) [@zachtushaus](/creator/x/zachtushaus) 2025-10-12T23:17Z XX followers, 1346 engagements


"Watching $ALLY earnings tomorrow for a few things: 1) how many loans are going bad 2) whether theyre still buying $CVNA loans at the same pace and 3) signs theyre tightening credit Any mention of early defaults (like we saw with $KMX) could hit carvana margins"  
[X Link](https://x.com/zachtushaus/status/1978840895643439499) [@zachtushaus](/creator/x/zachtushaus) 2025-10-16T15:10Z XX followers, XXX engagements


"Listened to this $ALLY call this morning their CFO had this to say about their auto loan strategy: We actively calibrate our buy box to adapt to the evolving market with a sharp focus on risk-adjusted returns. These capabilities give us conviction in our ability to sustain attractive originated yields through the cycle while also improving the overall credit quality of our portfolio. Basically means Allys getting pickier on what loans theyll buy focusing on safer borrowers and higher margins. Not great news for $CVNA"  
[X Link](https://x.com/zachtushaus/status/1979207492325253381) [@zachtushaus](/creator/x/zachtushaus) 2025-10-17T15:26Z XXX followers, XXX engagements


"$ICE is a good pick only caveat is each price increase needs approval from the SEC/CFTC That said. they def have a strong data and exchange business"  
[X Link](https://x.com/zachtushaus/status/1979877321734816134) [@zachtushaus](/creator/x/zachtushaus) 2025-10-19T11:48Z XXX followers, XXX engagements

[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

@zachtushaus "Laying some thoughts on $FICO Been thinking about how the cost of a credit score actually shows up in a mortgage and how invisible it ends up being to the borrower Today a tri-merge credit pull costs around $XXX. Cash buyers probably pay that upfront. But for mortgages those fees usually get rolled into the loan or offset through a lender credit So for most borrowers that $XXX turns into less than $X a month over XX years. Barely noticeable If thats how it works across the board FICO could raise prices and nobody would really feel it. It just disappears into the loan Heres the part that gets"
X Link @zachtushaus 2025-10-12T23:17Z XX followers, 1346 engagements

"Watching $ALLY earnings tomorrow for a few things: 1) how many loans are going bad 2) whether theyre still buying $CVNA loans at the same pace and 3) signs theyre tightening credit Any mention of early defaults (like we saw with $KMX) could hit carvana margins"
X Link @zachtushaus 2025-10-16T15:10Z XX followers, XXX engagements

"Listened to this $ALLY call this morning their CFO had this to say about their auto loan strategy: We actively calibrate our buy box to adapt to the evolving market with a sharp focus on risk-adjusted returns. These capabilities give us conviction in our ability to sustain attractive originated yields through the cycle while also improving the overall credit quality of our portfolio. Basically means Allys getting pickier on what loans theyll buy focusing on safer borrowers and higher margins. Not great news for $CVNA"
X Link @zachtushaus 2025-10-17T15:26Z XXX followers, XXX engagements

"$ICE is a good pick only caveat is each price increase needs approval from the SEC/CFTC That said. they def have a strong data and exchange business"
X Link @zachtushaus 2025-10-19T11:48Z XXX followers, XXX engagements