cancel
Showing results for 
Search instead for 
Did you mean: 

FICO Score Stress Indicators/Indexes

CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

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.

28 FICO Scores + FICO RESilience Index + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of Resilience: EQ FICO Resilience Index Score Leaderboard (59 People!)

Message 201 of 1,064
LaHossBoss
Valued Contributor

Re: FICO Score Stress Indicators/Indexes


@CassieCard 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.

 

 

Screenshot_20200518-170455_myFICO.jpg

 




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 645] [EQ5 678] [VS3 630] | TU [F8 713] [F9 684] [TU4 721] [VS3 639] | EX [F8 640] [F9 651] [EX2 655] [VS3 625]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 655] [F9 620] [EQ5 677] [VS3 627] | TU [F8 685] [F9 658] [TU4 639] [VS3 625] [VS4 666] | EX [F8 691] [F9 684] [EX2 658] [VS3 642]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 202 of 1,064
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@LaHossBoss 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.

 

 

Screenshot_20200518-170455_myFICO.jpg

 


This is great! Still on top!

28 FICO Scores + FICO RESilience Index + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of Resilience: EQ FICO Resilience Index Score Leaderboard (59 People!)

Message 203 of 1,064
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

 

28 FICO Scores + FICO RESilience Index + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of Resilience: EQ FICO Resilience Index Score Leaderboard (59 People!)

Message 204 of 1,064
CreditobsessedinFL
Established Contributor

Re: FICO Score Stress Indicators/Indexes


@CassieCard 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).

 

Message 205 of 1,064
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

EQ FICO Resilience Index - Leaderboard as of May 18, 2020

 

*Note about this score: Lower rating (higher number) doesn't mean that person has a bad credit profile in any way. We're in Equiland now...

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

56

2

Up from 58. One of the flags changed from 'age of revolving accounts' to 'number of revolving accounts' as recent account age passed 3mos.
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.

28 FICO Scores + FICO RESilience Index + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of Resilience: EQ FICO Resilience Index Score Leaderboard (59 People!)

Message 206 of 1,064
TMB_
Established Member

Re: FICO Score Stress Indicators/Indexes

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".
Message 207 of 1,064
Remedios
Moderator

Re: FICO Score Stress Indicators/Indexes


@TMB_ wrote:
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 had "no active loan" as a reason.

Then loan reported.

New reason "Balance on the loan"

😂

 

It's kinda like Vantage scores, no one wants it, no one uses it, but it doesnt mean they wont try selling it

Undead Danny Trejo looks strangely like dead Danny Trejo, who looks exactly like alive Danny Trejo. Thanks, Netflix!
Message 208 of 1,064
Throckmorton
Regular Contributor

Re: FICO Score Stress Indicators/Indexes

I think my wife has one of those credit genies mentioned in another post.

 

She isn't sharing.

 

3A235103-02D3-4756-9902-5750864F7420.png

 

 

14E323A0-94D1-476D-AA8D-B579FA4CFFAC.png

 

Message 209 of 1,064
LaHossBoss
Valued Contributor

Re: FICO Score Stress Indicators/Indexes


@Throckmorton wrote:

I think my wife has one of those credit genies mentioned in another post.

 

She isn't sharing.

 

3A235103-02D3-4756-9902-5750864F7420.png

 

 

14E323A0-94D1-476D-AA8D-B579FA4CFFAC.png

 


Woohoo!

 

Someone under 41, finally!

 

Edit: love the username lol




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 645] [EQ5 678] [VS3 630] | TU [F8 713] [F9 684] [TU4 721] [VS3 639] | EX [F8 640] [F9 651] [EX2 655] [VS3 625]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 655] [F9 620] [EQ5 677] [VS3 627] | TU [F8 685] [F9 658] [TU4 639] [VS3 625] [VS4 666] | EX [F8 691] [F9 684] [EX2 658] [VS3 642]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 210 of 1,064
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.