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FICO Score Stress Indicators/Indexes

CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

Thanks, @Tonya-E .

 

@Remedios: That new signature line of yours indicates hgher resilience. In Chechnya, couch never lets go.

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 221 of 1,053
Remedios
Moderator

Re: FICO Score Stress Indicators/Indexes

@CassieCard  my couch is like a neutron star...the escape is possible but probably not enough energy in the universe to execute such a task. 

Undead Danny Trejo looks strangely like dead Danny Trejo, who looks exactly like alive Danny Trejo. Thanks, Netflix!
Message 222 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

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.

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 223 of 1,053
Remedios
Moderator

Re: FICO Score Stress Indicators/Indexes

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% 

Screenshot_20200606-180538_myFICO.jpg

 

 

 

 

 

Undead Danny Trejo looks strangely like dead Danny Trejo, who looks exactly like alive Danny Trejo. Thanks, Netflix!
Message 224 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@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% 

Screenshot_20200606-180538_myFICO.jpg

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.

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 225 of 1,053
Remedios
Moderator

Re: FICO Score Stress Indicators/Indexes

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). 

Undead Danny Trejo looks strangely like dead Danny Trejo, who looks exactly like alive Danny Trejo. Thanks, Netflix!
Message 226 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

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.

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 227 of 1,053
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: FICO Score Stress Indicators/Indexes

I got a 61, yo. 2 red flags. Installment balances and credit mix for too many revolving accounts. They don't respect the YOLO.




Message 228 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@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.

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 229 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

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.

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 230 of 1,053
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