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FICO Score Stress Indicators/Indexes

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CreditobsessedinFL
Established Contributor

Re: FICO Score Stress Indicators/Indexes

Hey @Anonymous , as of my 6/17 report, I am now at 59 due to the new BT card hitting, same to reasons, loan balances and revolving credit card accounts. 

Message 281 of 1,094
Anonymous
Not applicable

Re: FICO Score Stress Indicators/Indexes


@Anonymous wrote:

@Anonymous wrote:
@AnonymousSo what’s your new score?

Oops! It like deleted half of my post lol

 

I will edit it now!


@Anonymous: It's still not there. lol I'm going to wait for your score before posting a new leaderboard.

Message 282 of 1,094
Anonymous
Not applicable

Re: FICO Score Stress Indicators/Indexes

Now I’m at 60 same flags. I’ll have to analyze changes I think one less account with the balance.
Message 283 of 1,094
Anonymous
Not applicable

Re: FICO Score Stress Indicators/Indexes


@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:
@AnonymousSo what’s your new score?

Oops! It like deleted half of my post lol

 

I will edit it now!


@Anonymous: It's still not there. lol I'm going to wait for your score before posting a new leaderboard.


Ok I promise it is updated now!

Message 284 of 1,094
Anonymous
Not applicable

Re: FICO Score Stress Indicators/Indexes

AoOA 2yr6mo, AAoA 1yr3mo, AoYA 4mo

AoORA 1yr6mo, AAoRA 11mo, AoYRA 4mo

4 cards, 3 with balances = 1Z3NZ

EQ 8: 756 | EQ 9: 754 | EQ 5: 731

$785 aggregate balance / 3% (2.707 actual)

 

eq_res_idx_062020.png

Message 285 of 1,094
Anonymous
Not applicable

Re: FICO Score Stress Indicators/Indexes

@Anonymous 

 

To trim down my DPs a little for your leaderboard and to narrow down what may most likely be factored into the Resiliency scoring.

 

(R) = Revolvers

(I) = Installments

(+/-) = change from last 3B EQ pull

 

6/17/2020:

Resiliency Score: 44 (+3)

Flags: 0 (+/-0)

AoOA: 15yr 1mo (-3yr 4mo)

AAoA: 8yr 11mo (-0yr 5mo)

EQ scores: F8 611 (+6) | F9 665 (-6) | F5 652 (+11)

Credit mix (R:I): 3:1 

(R) aggregate util: 1% (+/-0%)

AZEO util on "O": 3% (-1%)

Total (R) mo. payment: $10 (-$2)

(I) util: 26% (-8%)

Total (I) mo. payment: $48 (+/-$0)

Total (R) + (I) util: 7% (-3%)

Misc: 4 CAs (1 awaiting deletion) 1 CO (paid)

Message 286 of 1,094
Anonymous
Not applicable

Re: FICO Score Stress Indicators/Indexes


@Anonymous wrote:

@Anonymous 

 

I did my 3B pull on 6/17/2020 and my score went up, ack!

 

I am now at 44, still in the okie dokie category.

 

Still no red flags. 

 

I am sure I know the reason as to my score increase.

 

My AAoA and AoOA went down several years due to my oldest TL falling off my EQ CR.

 

AAoA:

 

5/18/2020: 9yr 4 mo

6/18/2020: 8yr 11mo

 

AoOA:

 

5/18/2020: 18yr 5mo

6/18/2020: 15yr 1mo

 

That is the only major change, so I am certain that is the culprit.

 

I can't remember if they rank highest for AAoA: 9yrs or 10yrs? I guess I will find out next month when my AAoA increases to 9yrs!

 

Anyone recall off the top of their heads what the higjest they rank for AoOA? 18, 19, or 20yrs?


@Anonymous 7 years 8 months for AAOA is max. AoOA is unknown.

Message 287 of 1,094
Anonymous
Not applicable

Re: FICO Score Stress Indicators/Indexes

EQ FICO Resilience Index - Leaderboard as of June 21, 2020

It's all rainbows, unicorns, comets, penguins, and...uh, chicken strips.

 

*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

High
Score

Date Posted
Click for Individual Profile Data

RESILIENT [1-44]

Throckmorton's Wife

40

?

40

05-07-2020

LaHossBoss

44

0

41

06-17-2020

MODERATE [45-59]

FireMedic1

45

2

45

06-05-2020

PicoFico

45

2

45

04-30-2020

EW800

46

2

46

05-01-2020

tacpoly

47

2

46

06-14-2020

Thomas_Thumb

48

2

48

04-07-2020

Tonya-E

48

2

48

06-06-2020

Trudy

49

2

49

06-12-2020

sjt

51

2

47

05-14-2020

Chris865 [OP]

52

2

52

05-23-2020

LaHossBoss SO

52

2

52

04-18-2020

angelwingz

53

2

53

04-09-2020

CassieCard

54

2

53

06-20-2020

Flyingifr

56

2

56

06-12-2020

TMB_

56

2

56

06-01-2020

CreditObsessedinFL

59

2

56

06-17-2020

sarge12

59

2

59

04-26-2020

SENSITIVE [60-69]

Birdman7

60

2

60

06-21-2020

Brian_Earl_Spilner

61

2

61

06-06-2020

NRB525

63

2

63

04-06-2020

Remedios

63

2

63

06-06-2020

Revelate

65

2

63

06-14-2020

RehabbingANDBlabbing

66

2

66

03-29-2020

Dumbee

67

?

67

05-04-2020

VERY SENSITIVE [70-99]

Kenro

72

?

72

05-03-2020

Message 288 of 1,094
Anonymous
Not applicable

Re: FICO Score Stress Indicators/Indexes

How do you like that? I’m on the top of the list for sensitive LOL!
Message 289 of 1,094
Anonymous
Not applicable

Re: FICO Score Stress Indicators/Indexes


@Anonymous wrote:

@Anonymous wrote:

@Anonymous 

 

I did my 3B pull on 6/17/2020 and my score went up, ack!

 

I am now at 44, still in the okie dokie category.

 

Still no red flags. 

 

I am sure I know the reason as to my score increase.

 

My AAoA and AoOA went down several years due to my oldest TL falling off my EQ CR.

 

AAoA:

 

5/18/2020: 9yr 4 mo

6/18/2020: 8yr 11mo

 

AoOA:

 

5/18/2020: 18yr 5mo

6/18/2020: 15yr 1mo

 

That is the only major change, so I am certain that is the culprit.

 

I can't remember if they rank highest for AAoA: 9yrs or 10yrs? I guess I will find out next month when my AAoA increases to 9yrs!

 

Anyone recall off the top of their heads what the higjest they rank for AoOA? 18, 19, or 20yrs?


@Anonymous 7 years 8 months for AAOA is max. AoOA is unknown.


well then maybe there is a breadcrumb there with my AoOA going under 18 yrs. It had to have been that and not the AAoA going down then that hurt.

Message 290 of 1,094
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