@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 PicoFico 45
2
Rebuild start: 5/15/19 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
EQ 8 770, AAoA 1yr 8mo, Recent account (4mo) Trudy 54
1
EQ 8 850, EQ 9 850, EQ 5 817, AoOA 24y2m, AAOA 11y10mo CassieCard 55
2
Was 53. EQ 8 734, EQ 9 739, EQ 5 727, AAoA 1yr2mo, AoOA 2yr5mo, Recent Accounts (2 @ 3mo), 4 cards with 4% on each one, 4% aggr. $587 to $1149 aggr balance with the same 4% aggr
resulted in losing 2 points (53 to 55).
Now homeless and shoplifting for fun and profit.
CreditObsessedinFL 58
2
sarge12 59
2
Serving time in a women's prison. Got pardon. Still won't leave. FICO 8s 819+ NRB525 63
2
All FICO 8's 800+. 6% EQ utilization. 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. EQ 8 800, EQ 9 820, EQ 5 788. AoOA 25yr+ RehabbingANDBlabbing 66
2
Dumbee 67
?
Remedios 67
2
Was 65. Got prison tattoo and it got worse. Long history, very good profile. EQ gonna EQ though. Kenro 72
?
High 700s across all FICO 8s.
Ok, so just did my 3B pull. Lots of positive score changes, which is very exciting, but imo, temporary. I feel as such due to most of my previously derog accounts now carry "affected by natural/declared disaster" making them rendered null.
So since we are using EQ for the Resiliency score, I will update your DPs for me based on that CB:
1 CO - paid, due to drop off CR in next 2-3 months
5 CAs - 1 pfd CA was deleted this month and still waiting on 1 other pfd to delete, but it is still listed in it's entirety on this pull
1 installment loan - 25% bal/$48 mothly payment
3 CCs - at AZEO, <1% aggregate, 3% individual on non-zero bankcard with $10 payment due.
7 of 11 defaulted SLs and 2 of 5 CAs are reporting "affected by natural/declared disaster"
I am at 75% CCs / 25% installment loans credit mix
$58 in total monthly obligations reported for May 2020
AAoA 9y 4m
AoOA 18y 5m
Updated scores in sig
As I predicted, *no* change whatsoever in Resiliency score! Still zero flags reported.
@Anonymous wrote:Ok, so just did my 3B pull. Lots of positive score changes, which is very exciting, but imo, temporary. I feel as such due to most of my previously derog accounts now carry "affected by natural/declared disaster" making them rendered null.
So since we are using EQ for the Resiliency score, I will update your DPs for me based on that CB:
1 CO - paid, due to drop off CR in next 2-3 months
5 CAs - 1 pfd CA was deleted this month and still waiting on 1 other pfd to delete, but it is still listed in it's entirety on this pull
1 installment loan - 25% bal/$48 mothly payment
3 CCs - at AZEO, <1% aggregate, 3% individual on non-zero bankcard with $10 payment due.
7 of 11 defaulted SLs and 2 of 5 CAs are reporting "affected by natural/declared disaster"
I am at 75% CCs / 25% installment loans credit mix
$58 in total monthly obligations reported for May 2020
AAoA 9y 4m
AoOA 18y 5m
Updated scores in sig
As I predicted, *no* change whatsoever in Resiliency score! Still zero flags reported.
This is great! Still on top!
@Anonymous wrote:EQ FICO Resilience Index - Leaderboard as of May 18, 2020
Member Name
Score
Red Flags
Remarks
LaHossBoss 41
0
1 CO - paid, due to drop off CR in next 2-3 months
5 CAs - 1 pfd CA was deleted this month and still waiting on 1 other pfd to delete, but it is still listed in it's entirety on this pull
1 installment loan - 25% bal/$48 mothly payment
3 CCs - at AZEO, <1% aggregate, 3% individual on non-zero bankcard with $10 payment due.
7 of 11 defaulted SLs and 2 of 5 CAs are reporting "affected by natural/declared disaster"
I am at 75% CCs / 25% installment loans credit mix
$58 in total monthly obligations reported for May 2020
AoOA 18y 5m | AAoA 9y 4m
EQ 8: 605 | EQ 9: 671 | EQ 5: 641
PicoFico 45
2
Rebuild start: 5/15/19 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
EQ 8 770, AAoA 1yr 8mo, Recent account (4mo) Trudy 54
1
EQ 8 850, EQ 9 850, EQ 5 817, AoOA 24y2m, AAOA 11y10mo CassieCard 55
2
Was 53. EQ 8 734, EQ 9 739, EQ 5 727, AAoA 1yr2mo, AoOA 2yr5mo, Recent Accounts (2 @ 3mo), 4 cards with 4% on each one, 4% aggr. $587 to $1149 aggr balance with the same 4% aggr
resulted in losing 2 points (53 to 55).
Now homeless and shoplifting for fun and profit.
CreditObsessedinFL 58
2
sarge12 59
2
Serving time in a women's prison. Got pardon. Still won't leave. FICO 8s 819+ NRB525 63
2
All FICO 8's 800+. 6% EQ utilization. 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. EQ 8 800, EQ 9 820, EQ 5 788. AoOA 25yr+ RehabbingANDBlabbing 66
2
Dumbee 67
?
Remedios 67
2
Was 65. Got prison tattoo and it got worse. Long history, very good profile. EQ gonna EQ though. Kenro 72
?
High 700s across all FICO 8s.
Hi Cassie,
I just pulled my new report and I wanted to give you an update. My previous score was a 58 with two red flags were attributed to loan balances in relation to loan amounts and age of revolving credit accounts. With this new report, my score has gone to a 56 and my two red flags are 1) the same loan balances to loan amounts, and now, 2) the number of revolving accounts (Now all three new accounts from 2/15 show, but have crossed the three month threshold).
Got mine too... - Score: 56 - Flags: 2 No installment loan activity and High percent of revolving accounts I really like the explanation of " No installment loan activity" in context of Resilience Index. This is a complete brain wash. According to FICO's logic having open loans makes you more resilient than not having them. This is completely counter any risk management theory and a reason why so many business went down - everything must be "optimized", "just in time", "on credited" and "at 0 cash reserves".
I think my wife has one of those credit genies mentioned in another post.
She isn't sharing.
@Anonymous wrote:I think my wife has one of those credit genies mentioned in another post.
She isn't sharing.
Woohoo!
Someone under 41, finally!
Edit: love the username lol