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@Anonymous misposted so I'm reposting. It says that it's intended to being used in conjunction with those three scores, not that it necessarily draws information from them. So are we to assume it's drawing data from those three algorithms or directly from the credit report?
Score 45. 2 flags:
High percentage of revolving accounts. Huh? (AZEO)
Short Credit Hx. 18 yrs.avg.
Interesting quote: Our predictive analysis shows that people who use 5% or less of revolving credit may be more resilient in the event of an economic downturn.
@FireMedic1 wrote:Score 45. 2 flags:
High percentage of revolving accounts. Huh? (AZEO)
Short Credit Hx. 18 yrs.avg.
Interesting quote: Our predictive analysis shows that people who use 5% or less of revolving credit may be more resilient in the event of an economic downturn.
I think this is referring to revolving accounts as a percentage of total accounts. My wife has many old student loans and a significantly better index than I do.
@Anonymous wrote:@Anonymousmisposted so I'm reposting. It says that it's intended to being used in conjunction with those three scores, not that it necessarily draws information from them. So are we to assume it's drawing data from those three algorithms or directly from the credit report?
I still can't figure that out. EQ said that on their website about EQ 8, EQ 9, and EQ 5: "...FICO Resilience Index is designed for use in conjunction with FICO Scores 5, 8, and 9...."
And now Experian has a PDF product sheet up for it as well:
https://www.experian.com/consumer-information/fico-resilience-index
"Some lenders may use FICO Resilience Index in conjunction with the FICO Score, i.e., in a dual score matrix or as an additional decision key. Other lenders may choose to use FICO Resilience Index to generate an adjusted FICO Score — with adjustment factors tuned to the lender’s view of macroeconomic forecasts."
EQ FICO Resilience Index - Leaderboard as of June 6, 2020
It's all rainbows, unicorns, comets, and penguins.
*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 |
Throckmorton's Wife | 40 | ? | EQ 8: 829 |
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 |
FireMedic1 | 45 | 2 | EQ 8: 740 | EQ 9: 827 |
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. |
TMB_ | 56 | 2 | EQ 8: 771 |
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. |
Hold my beer, imma gonna apply for something to knock Kenro out of first place.
On a serious note, I have no idea what my resilience score is right now, and unless I pay for a new report, I wont know till July 1st.
I dont feel inclined to pay $20.00 for EQ to tell me i suck. As a reference point, here is my EQ FICO 8 classic
Now excuse me while I rob a lender or 15
@Remedios wrote:Hold my beer, imma gonna apply for something to knock Kenro out of first place.
lol first
On a serious note, I have no idea what my resilience score is right now, and unless I pay for a new report, I wont know till July 1st.
I dont feel inclined to pay $20.00 for EQ to tell me i suck. As a reference point, here is my EQ FICO 8 classic
Now excuse me while I rob a lender or 15
I'm surprised it's not this:
@Anonymous can it be this 🖕
Figured I would add my data points.
Score & Red Flags (2)
I have a 2,140 balance on one card-Citi card (roughly 10%)
The installment loans factored in are my car and mortgage (10% & 79% balance remaining respectively)
My student loans are deferred until October so there is no payment being shown to factor in.