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@Anonymous my couch is like a neutron star...the escape is possible but probably not enough energy in the universe to execute such a task.
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. |
Tonya-E | 48 | 2 | EQ 8: 849 |
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. She thinks this is 'second place' and no one should tell her otherwise. .o O ( Maybe it is.. ). |
Kenro | 72 | ? | High 700s across all FICO 8s. |
Change it again lol
More weirdness, unless its adding installment account balance, I cannot see the whole "debt", because I have $1100 reporting atm, on a single card, aggregate utilization 0.33%
@Remedios wrote:Change it again lol
More weirdness, unless its adding installment account balance, I cannot see the whole "debt", because I have $1100 reporting atm, on a single card, aggregate utilization 0.33%
haha The couch did it!
Now you're going to be sitting next to @Revelate . A tie!
You can get another -2pts (61) below $1000. I'm about to have that happen this month with $1150 to $758 change.
That's not going to be possible, I let the card report naturally, unless I need to look really pretty for an app, and I'm not planning any apps.
Several cards will be reaching six months next month (those are my youngest, so I dont know if that will have any effect on it).
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. |
Tonya-E | 48 | 2 | EQ 8: 849 |
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. |
Remedios | 63 | 2 | Was 67. EQ 8: 778. An extremely high magnetic field around a couch has increased her resilience. (I'm going to try rubbing a balloon on a cat's back.) |
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 | ? | |
Kenro | 72 | ? | High 700s across all FICO 8s. |
I got a 61, yo. 2 red flags. Installment balances and credit mix for too many revolving accounts. They don't respect the YOLO.
@Brian_Earl_Spilner wrote:I got a 61, yo. 2 red flags. Installment balances and credit mix for too many revolving accounts. They don't respect the YOLO.
You now have pretty low utilization now, right? I was thinking of the thread you started about paying down all of your cards.
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. |
Tonya-E | 48 | 2 | EQ 8: 849 |
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+ |
Brian_Earl_Spilner | 61 | 2 | Flags: Installment balances and Too many revolving accounts |
NRB525 | 63 | 2 | All FICO 8's 800+. 6% EQ utilization. |
Remedios | 63 | 2 | Was 67. EQ 8: 778. $1100/1% aggregate utilization. 1 card with a balance. An extremely high magnetic field around a couch has increased her resilience. |
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 | ? | |
Kenro | 72 | ? | High 700s across all FICO 8s. |