FICO Score Stress Indicators/Indexes

[Anonymous]

Decided to do a 3B pull since I haven't in 3 months and I was curious where my scores stand

Down from 67 to 56, 2 red flags:
High % of revolving accounts
Short credit history

EQ8 732 EQ9 745, lowest of the 3Bs for me

Paid down loan balances and doing AZEO brought the resilience score down I guess. Taking big score hits for inquiries (28) and new accounts (all my accounts are new). 8 Revolving (7 are bankcards) 3 Installments (1 closed) paid below 5%. 

[Anonymous]

EQ FICO Resilience Index - Leaderboard as of July 2, 2020

Breaking News

@K-in-Boston now holds The Golden Chalice! @Anonymous moves up from 67 to 56. Welcome @kilroy8 to the board. A member is attempting to take @Anonymous's Golden Sword. FICO issued a press release about this score and it triggered a flurry of articles in the mainstream press. And as always - lower rating (higher number) doesn't mean that person has a bad credit profile in any way. This score is really sensitive to balance amounts and it doesn't matter if you have a 600 or 850.

RECORD HOLDER & KEEPER OF THE GOLDEN SWORD!		EQ FICO RESILIENCE INDEX
Dogbert	76	04-03-2020

MEMBER NAME * denotes former award winner see bottom of post	SCORES	RED FLAGS	HIGH SCORE	DATE Click for Individual Profile Data
RESILIENT [1-44]
GOLD KEY WINNER
Throckmorton's Wife	40	?	40	05-07-2020
LaHossBoss*	43	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
Dumbee	56	2	56	07-01-2020
Flyingifr	56	2	56	06-12-2020
kilroy8	56	?	56	06-11-2020
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
KEEPER OF THE GOLDEN SWORD
Dogbert*	64	2	64	06-25-2020
Revelate	65	2	63	06-14-2020
RehabbingANDBlabbing	66	2	66	03-29-2020
VERY SENSITIVE [70-99]
Kenro*	72	?	72	05-03-2020
GOLDEN CHALICE WINNER
K-in-Boston	73	3	73	06-29-2020

* FORMER AWARD WINNERS *

MEMBER NAME	AWARD	TROPHY	FOR	DATE Click for Individual Profile Data
Dogbert	GOLDEN CHALICE		Lowest rating: 76	04-03-2020
Kenro	GOLDEN CHALICE		Lowest rating: 72	05-03-2020
Kenro	GOLDEN SWORD		Record Low Rating: 72	05-03-2020
LaHossBoss	GOLD KEY		Highest rating: 41	04-17-2020

All awards are from this game: Adventure (1980) (Atari 2600) Level 1 play through 

Current theme music: https://www.youtube.com/watch?v=K3ZZUiVWlP0&t=183

[Anonymous]

@Anonymous You have Kenro with the sword, wasn’t that meant to be for DogBert?

[Anonymous]

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@Anonymous wrote:

@AnonymousYou have Kenro with the sword, wasn’t that meant to be for DogBert?

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If I'm reading correctly,  that's because it was in the "former" awards column.  For the longest time, Kenro was the record holder.  

[Anonymous]

@Anonymous I thought the sword was for the record holder for the lowest (or in this case highest) score ever? it's even at the bottom of your signature. Kenro has the chalice for being the current lowest score and you have the sword for having the all-time record lowest score at 76 I thought? Correct me if I'm wrong?

[Anonymous]

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@Anonymous wrote:

@Anonymous I thought the sword was for the record holder for the lowest (or in this case highest) score ever? it's even at the bottom of your signature. Kenro has the chalice for being the current lowest score and you have the sword for having the all-time record lowest score at 76 I thought? Correct me if I'm wrong?

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I think you're misreading the bottom of the chart.

The very bottom is *former* award winners.  Above *former* award winners is the current set of winners.  K-In-Boston currently holds the chalice.

if you look carefully at the chart, and let me do the same because I will admit I was looking at it earlier on the ipad....  At the top Cassie shows me as the current record holder and keeper of the golden sword.

At the bottom, there is a clear heading "FORMER AWARD WINNERS" - and kenro is a FORMER golden sword holder, before I posted my 76.  The DATE on mine is before the DATE on his, because my 76 was back on 4/3, but I didn't bring it to this thread (aka I didn't know this thread existed) until much later.  I am also a FORMER golden chalice holder, but as soon as I pulled my newest 3b, my score improved, and I had to give up the chalice.  If someone posts a current score above 73, or if K-In-Boston makes the resilience demi-gods happier before his next 3B, he might lose his spot and go into the *former award winners* bracket.  

I'm still the current record holder, and kenro is a former record holder.  

Ergo, her chart appears accurate.

[Anonymous]

OK I think I understand now! Thanks for explaining.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

@Anonymous I thought the sword was for the record holder for the lowest (or in this case highest) score ever? it's even at the bottom of your signature. Kenro has the chalice for being the current lowest score and you have the sword for having the all-time record lowest score at 76 I thought? Correct me if I'm wrong?

---

I think you're misreading the bottom of the chart.

The very bottom is *former* award winners.  Above *former* award winners is the current set of winners.  K-In-Boston currently holds the chalice.

if you look carefully at the chart, and let me do the same because I will admit I was looking at it earlier on the ipad....  At the top Cassie shows me as the current record holder and keeper of the golden sword.

At the bottom, there is a clear heading "FORMER AWARD WINNERS" - and kenro is a FORMER golden sword holder, before I posted my 76.  The DATE on mine is before the DATE on his, because my 76 was back on 4/3, but I didn't bring it to this thread (aka I didn't know this thread existed) until much later.  I am also a FORMER golden chalice holder, but as soon as I pulled my newest 3b, my score improved, and I had to give up the chalice.  If someone posts a current score above 73, or if K-In-Boston makes the resilience demi-gods happier before his next 3B, he might lose his spot and go into the *former award winners* bracket.  

I'm still the current record holder, and kenro is a former record holder.  

Ergo, her chart appears accurate.

I love how this reads like an explanation of a novel concept in mathematics. haha

[Anonymous]

I plead lack of sleep like usual.

Something I wanted to ask you or tell you Cassie and I can’t remember what it is.

[Anonymous]

Wow so I just read an article I think that was linked upthread and I’m surprised to learn this resiliency score is a creation of fico not Equifax and they are providing it free to lenders when they get a score. I didn’t notice anyone talking about that did I miss that?