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A regional lender came to us with a problem: They were approving borrowers with high credit scores… who kept defaulting on mid-size personal loans. Their model leaned heavily on score bands and stated income. But it wasn’t catching the deeper signal: a mismatch between what people said they could handle, and what they’d actually handled before. What We Did We built them a lightweight decision layer that calculated max historical exposure per borrower, using just the tradeline data in their credit pulls (TransUnion and Experian). No external data sources. No scoring black box. ...

At Gymmyc, our commitment to delivering high-performance, cost-effective solutions drives us to continually explore innovative technologies. Recently, we collaborated with a location services company to optimize their geocoding infrastructure. By transitioning to Rackspace Spot, we achieved an impressive 93% reduction in compute costs. Understanding Rackspace Spot Rackspace Spot offers an open market for cloud infrastructure, allowing users to bid on unused server capacity. This approach provides substantial cost savings compared to traditional on-demand pricing models. Key features include: ...

Gymmyc is the umbrella for the work we do—consulting, tools, systems, and software. The kind of things that are meant to run quietly in the background and do their job well. The name might feel like a joke. It kind of is. But also not really. There’s a lot of noise in tech—names that try hard to be clever, products that overpromise. We’re not interested in that. Gymmyc is about showing up, doing solid work, and delivering things that actually help. ...