Scroll to the bottom for notations regarding adjustments.
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The following list is a normal function of my formula, but it's still something I consider worth noting. If I don't adjust these ratings, very large negative numbers are produced by certain losses, and it gives too much weight to that one week. These teams have been given the minimum rating as opponents (not above) in place of their actual rating. These are only teams with at least one FBS/I-A win. More teams are added to this list as teams have more losses relative to (usually, the one) win.
Army
Ball St.
Eastern Michigan
Fresno St.
Hawaii
Massachusetts
Miami U.
North Texas
Southern Methodist
Texas-San Antonio
Tulane
UNC-Charlotte
Wyoming