Sometimes I see algorithms do things that really remind me how stupid they are! Two examples happened today.
First, what I’ve noticed in my credit report lets me know that credit bureaus have to be running their own version of mindless robotic software….
For instance I just got 13 pts added to my report by TransUnion. Cool! But how? Get this.
For several months, I hadn’t let a balance stay on one of my credit cards. So, they were reporting as “no payment due.” Then a couple months ago, I let a little balance stay on for a month. No payment was due that month, since the grace period was still on, but it made it so a payment was due the next month. This caused it to be reported to the agencies as having a balance.
The next month, I paid the whole thing before the grace period was up, rather than let the place get any interest out of it (they charge an exorbitant interest rate). So, it comes up “paid more than the minimum.”
The month after that, I didn’t use that card, so “no payment due” again.
Presto, 13 pts. added, and a new record high! (Yes, I play every algo like a video game!)
Still, I think it’s a silly algo. How the heck could they call that more creditworthy than not letting a balance remain at all?! I suppose they’d say something like, “it shows you pay your bills.” But shouldn’t paying immediately show that even more?!
Speaking of algorithms…
Google (or as I call it, GOOFle)’s algo is another one that’s stupider than a box 0′ rocks. Get this:
I’ve got an old personal site. I’ve ignored that site for years…I only registered it to keep wanks on a forum from registering it first and sticking something blighted on the URL…
Anyway I put a couple pages on there just for kicks, and that was about it. Old habits kicked in and I threw it a link or 2. So, for a while it had some SE (search engine) rank.
Then, for no discernable reason, it was dropped from all 3 major engines, and proceeded to get 0 hits for 4 months. No exaggeration–I do mean ZERO hits. But since it wasn’t a properly capitalized site, I didn’t put in any effort whatsoever to change that. I just watched the stats with mild irkedness, and finally quit looking at them for that site at all.
Today I bothered to look again. Seems that suddenly it’s showing up again! WTF?! NO change. Nobody went and linked to it, because nobody’d been seeing it (0 hits, remember?). And *I* don’t remember putting any more links to it. But now it ranks. Granted, the keywords are obscure, but they’re the relevant keywords for the pages on it.
Stranger yet, this is affecting more than one engine. Not only is it showing in Goofle, it’s in MSN, too.
I think the search-engine algos have a HUGE amount of randomness in ‘em. Yet if I post that on a particular forum, some yumph is sure to try to claim there’s some pattern in it (rolls eyes)…