@Anonymous wrote:EQ FICO Resilience Index - Leaderboard as of May 15, 2020
Member Name
Score
Red Flags
Remarks
LaHossBoss 41
0
6 unpaid CAs, 2 paid COs, Open Loan 34%, SLs reporting defaulted, Recent accounts (2mo), AAoA 9y 3mo EW800 46
2
850 FICO 8s and 9s tacpoly 46
2
Thomas_Thumb 48
2
Perfect credit profile. sjt 51
2
Was 52 then 47 now 51. 830+ all FICO 8s LaHossBoss SO 52
2
Unpaid CAs, SLs defaulted angelwingz 53
2
Trudy 54
1
CassieCard 55
2
Was 53. Now homeless and shoplifting for fun and profit. CreditObsessedinFL 58
2
sarge12 59
2
Serving time in a women's prison. Won't leave. FICO 8s 819+ NRB525 63
2
Revelate 63
2
EQ 8 826 and EQ 5 799. Putting it on his dating profile because it says 'Sensitive'. It's going to work. Birdman7 64
2
Sleeping. RehabbingANDBlabbing 66
2
Dumbee 67
?
Remedios 67
2
Was 65. Got prison tattoo and it got worse. Kenro 72
?
High 700s across all FICO 8s.
I was just thinking of a nap, too! You're awesome @Anonymous !!
@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:
Yeah I haven’t had a lot of time to browse the site lately. I’ve pretty much just been responding notifications most of the time, so I missed it, but looking forward to reading it! Thank you for the link. I wonder if its serious delinquencies or just minors? Probably just minor.I don't know; previously 60D late was counted as a serious delinquency and that was confirmed not only by reason code but also by scorecard assignment by what reason codes flatly weren't there.
I never would have conjectured that say a 60D late could shift categories of seriousness but I can't explain it any other way. If 60D goes at 2 years what happens at 5 years for 90D for example? I still remember the one individual with a 90D hit a 798 on TU FICO 8... and for that matter what if this doesn't happen on EQ which has traditionally always punished my negatives more harshly than TU?
This really just blows up some of my previously held opinions.
"Inquiring Minds Wonder" if your memory was correct and an adjustment was made to the scoring system? Food for thought. Reminds me to go grocery shopping "oh joy"
Nah, FICO has only publicly adjusted a score twice in the last 20 years AFAIK post release, the first was the whole FICO 8 AU debacle where every stay at home parent with just AU's lost their credit scores overnight. The second was the HELOC changes, which we're still not really sure if FICO 04 was modified or just FICO 8 nearish release. Admittedly there could have been other quieter changes before those, but changing something like FICO 04 right now? We're talking about the score that underpins the ENTIRE mortgage market, trillions of dollars in real money. That's not done lightly, and I'm highly understating that.
As for my own memory I'm not that old yet 
. Example from a report 3-31-19 and I have others (I randomly just double-clicked in my credit reports folder on any TU report) and it's pretty clear this is bottom 4 scorecards aka derogatory. 30D late never had that reason code even when it was just added:
Haven't kept on this thread for a while but if we're submitting dps...
I'm at 45 with 2 red flags:
High percentage of revolving accounts and
Short credit history.
