@Anonymous wrote: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)
Uhhhh... seems like no installment loan should benefit you in this case. I sure think not being locked into a multi-year loan creates less stress on your ability to be resilient. Maybe get a 30yr MTG for 300K and your resiliency score will improve 
@Trudy wrote:
@Anonymous wrote: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)
Uhhhh... seems like no installment loan should benefit you in this case. I sure think not being locked into a multi-year loan creates less stress on your ability to be resilient. Maybe get a 30yr MTG for 300K and your resiliency score will improve
The only reason I started to build credit 2 and a half years ago was to get a very large installment loan later. lol
I started with a $500 secured credit builder loan and will end with a mortgage.
Sounds about right Increase your debt load exponentially and you can remove that flag. Sounds like a plan for resiliency if ever I heard of one.
@Trudy wrote:Sounds about right
Oh no, @Trudy , Life is not that easy. Once you go get that installment loan the flag will be replaced by high installment balances, just ask @Remedios. I imagine once you pay it down to 9% you can get rid of flags relating to installment. Lol.
@Anonymous Well you've done a great job and you've contributed a great deal to the community while doing so! Sure glad you decided to do this. I have enjoyed learning with you and from you.
@Anonymous wrote:
@Trudy wrote:Sounds about right
Oh no, @Trudy , Life is not that easy. Once you go get that installment loan the flag will be replaced by high installment balances, just ask @Remedios. I imagine once you pay it down to 9% you can get rid of flags relating to installment. Lol.
@Anonymous Well you've done a great job and you've contributed a great deal to the community while doing so! Sure glad you decided to do this. I have enjoyed learning with you and from you.
Oh, I'm aware my friend @Anonymous , it's my 2nd flag: High installment loan due that will likely replace it. And my 1st flag: High % of revolving accounts, well… I have no other choice other than to accept my ranking with this new.fandango.thing. 
At least it’s something we can all try to dissect as this seems to be what drives many of us here anyway. I'm going to try to bow out although I may use this thread for entertainment purposes going forward until I have some kind of an awakening.
And ditto to the @Anonymous mention.
@Trudy wrote:Sounds about right
It sounds like it is super sensitive to the monthly cost of the installment loan. So, no, you will likely not have the flag removed if you have a large monthly installment payment, but will be dinged if you dont have an installment loan at all (if you have CCs), because that also seems to make you less resilient if you have more than 75% of your credit products as CCs. My opinion, of course.
I have a $545 Self Lender Loan w/ a $48/mo payment. No flag.
My SO has a $1651 Self Lender Loan w/ a $150/mo payment. He has the flag.
It seems like the flag appears if you have an installment loan costing over $100/mo. (My opinion, again)
I am wondering if the monthly $ obligation changes if it is, say, an auto loan or mortgage. Perhaps certain installment loans have different monthly $ thresholds.
The Resiliency score (imo) is saying, "hey they may/may not be likely to pay their bills if the economy takes a dump" (aka "downturn" in their actual words lol). As the monthly $ obligations goes up, the less resilient one is in their eyes.
I could be full of it and my theory may be totally wrong, but that is my take on it.
@Anonymous wrote:
@Trudy wrote:Sounds about right
Oh no, @Trudy , Life is not that easy. Once you go get that installment loan the flag will be replaced by high installment balances, just ask @Remedios. I imagine once you pay it down to 9% you can get rid of flags relating to installment. Lol.
@Anonymous Well you've done a great job and you've contributed a great deal to the community while doing so! Sure glad you decided to do this. I have enjoyed learning with you and from you.
i did not have the flag when I was at 41%.
Again, I feel like it is more about monthly obligations than the standard scoring stuff like baddies and utilization. this is a gross simplification, of course. "How well someone will do in an economic downturn" sounds like "they will be (un)likely to keep up with their monthly obligations because they are low/high.
