FICO Score Stress Indicators/Indexes

[Anonymous]

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@sarge12 wrote:

I think that it might be prudent to now make any new followers of this post aware of how a thread called FICO Score Stress Indicators/Indexes ever evolved into what you are reading the last few pages. To that, I will just say, start at the beginning and enjoy the ride, because an explanation might be impossible. It was perhaps not the best thing for us to have went astray, but most here are not really very resilient anyway, so that is just largely what non-resilient people do.

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I'm surprised the mods let us get away with it. haha

@Remedios, @sarge12 , @Anonymous : Final edit...paying that cat tax and joining the cool kids! See here.

[sarge12]

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@Anonymous wrote:

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@sarge12 wrote:

I think that it might be prudent to now make any new followers of this post aware of how a thread called FICO Score Stress Indicators/Indexes ever evolved into what you are reading the last few pages. To that, I will just say, start at the beginning and enjoy the ride, because an explanation might be impossible. It was perhaps not the best thing for us to have went astray, but most here are not really very resilient anyway, so that is just largely what non-resilient people do.

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I'm surprised the mods let us get away with it. haha

@Remedios, @sarge12 , @Anonymous : Final edit...paying that cat tax and joining the cool kids! See here.

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Me too @Anonymous, but this thread was one of the most fun threads I have ever been party to. Many of the posts here were just extremely funny, and in my opinion, that is a good thing. We often take all this way too serious, and in my opinion, the real information was pretty much covered in the first few pages anyway. If anyone is looking for pertinant information on the subject, that was there in the first pages. The index is too new for more than basic observations.

[Anonymous]

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@Remedios wrote:

Sounds good to me. 

Second season...Hurricanesillience, coming in August to a shore near you.  Find out how ...well, nothing really. 

Third season...Murder Hornet Resilience ...find out if your customers may require Benadryl (resilient), or Epi Pen (non-resilient).

Fourth  Season ...Flying Spider resilience index...find out how fast your customers can ran 

Fifth season...Land Shark Resilience Index...find out how well your customers swim on asphalt 

I should stop giving them ideas 

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Underrated post.

"Murder Hornet Resilience ...find out if your customers may require Benadryl (resilient), or Epi Pen (non-resilient)."

I think this would be the easiest pitch in an Equifax boardroom.

[Remedios]

I wonder what EQs  Data Breach Resilience Score Index is 🤔

[Anonymous]

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@Remedios wrote:

I wonder what EQs  Data Breach Resilience Score Index is 🤔

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Equifax is a puppet controlled by shadow companies in the Greater Cleveland area. These companies were formed by TU and EX, and their sole purpose is to direct EQ to become the focus of public and congressional attention.

I don't even have any alcohol in this house.

[Anonymous]

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@Remedios wrote:

I wonder what EQs  Data Breach Resilience Score Index is 🤔

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😂😂😂😂😂😂😂😂😂😂😂😂

[Anonymous]

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@sarge12 wrote:

I think that it might be prudent to now make any new followers of this post aware of how a thread called FICO Score Stress Indicators/Indexes ever evolved into what you are reading the last few pages. To that, I will just say, start at the beginning and enjoy the ride, because an explanation might be impossible. It was perhaps not the best thing for us to have went astray, but most here are not really very resilient anyway, so that is just largely what non-resilient people do.

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This. HHAHAHHAAH

[sjt]

On May 1st my score went from 52 to 47, the only change was that one revolver was reporting a balance. On May 7th, the score increase to 51 with two revolvers reporting a balance. Reason codes remained the same.

[Anonymous]

Interesting

[Revelate]

Random contribution cause I was curious: for reference every single one of my EQ FICO scores are at the highest they've ever been which is a little surprising to me... 826 EQ FICO 8 / 799 EQ FICO 5, totally gold plated on this bureau even with complaints of crappy installment utilization and a CFA.

Score: 63 - I'm Sensitive!  Thinking this should totally go on the dating profile instead of an 800 FICO.

• High installment loan amounts due
  • $1818/mo mortgage
  • $869/mo auto loan
• High Revolving Balances
  • 1/18 accounts with balances
  • $3366/$25000 

Interesting that Experian has my updated credit card balance, and Equifax has my updated mortgage balance not that that either matter for stuff that I'm tracking right now though I realized with how delayed this new mortgage was I'm in striking distance just by throwing some cash at the auto loan of 66% installment loan utilization.

Speaking of which, I have a second mortgage landing in a few months, I may just see if I can beat Remedios' score .

This score sort of seems like snake oil anyway even if probably all the bureaus are selling it now: employment type, asset declaration, none of that is on a credit report and those seem like more valuable datapoints than anything on it in terms of what happens when things go pear shaped.