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Update on my end...not one change on my index score. I paid off my car (already planned) and it made no difference though one of my factors was installment loans. I have my student loan (which currently shows 0 payment due b/c of the pandemic) and our house left. I have a "high revolving account balance" with 2k outstanding on one card. The limit on the card is 21.5k. I am using 2% of my overall limits. I think 48 is where I will sit unless paying off the card does anything in the next couple of months. I guess the 5% they notate means 5% of one card. We shall see once I pay it down. I just disregard this score unless it begins to factor into creditworthiness in the future (if it's not already). I can't help but be inquisitive though!
Deleted table.
@Anonymous wrote:
EQ FICO Resilience Index - Leaderboard as of July 26, 2020
Breaking News
K-in-Boston STILL holds The Golden Chalice! even though Kenro also has a 72. Because 3 FLAGS beats a question mark!
Dogbert is still KEEPER of The Golden Sword! for having the lowest/highest/worst/best score ever!
FICO issued a press release about this score and it triggered a flurry of articles in the mainstream press. The Washington Post published an article about this 'new score'. Plenty more articles on Google here. Lots of article authors are wondering if/when consumers will be able to obtain their score. lol The first score was submitted to this thread on March 29, 2020.
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!Dogbert
76
MEMBER NAME
* denotes former award winner
see bottom of postSCORES
RED
FLAGSHIGH
SCOREDATE
Click for Individual Profile DataRESILIENT [1-44]
GOLD KEY WINNER
Throckmorton's Wife
40
?
40
LaHossBoss* 43
0
41
MODERATE [45-59]
FireMedic1 45
2
45
PicoFico 45
2
45
EW800 46
2
46
Thomas_Thumb 48
2
48
Tonya-E 48
2
48
Trudy 49
2
49
sjt 51
2
47
Chris865 [OP]
52
2
52
LaHossBoss SO 52
2
52
angelwingz 53
2
53
CassieCard 56
2
53
Dumbee 56
2
56
Flyingifr 56
2
56
kilroy8 56
?
56
TMB_ 56
2
56
tacpoly 57
2
46
CreditObsessedinFL 58
2
56
sarge12 59
2
59
SENSITIVE [60-69]
Birdman7 60
2
60
Brian_Earl_Spilner 61
2
61
NRB525 63
2
63
Remedios 63
2
63
KEEPER OF THE GOLDEN SWORD
Dogbert*
64
2
64
joeyv1985 64
2
64
Revelate 65
2
63
RehabbingANDBlabbing 66
2
66
VERY SENSITIVE [70-99]
Kenro*
72
?
72
GOLDEN CHALICE WINNER
K-in-Boston
72
3
72
* FORMER AWARD WINNERS *
MEMBER NAME
AWARD
TROPHY
FOR
DATE
Click for Individual Profile DataDogbert
GOLDEN CHALICE
Lowest rating: 76
Kenro
GOLDEN CHALICE
Lowest rating: 72
Kenro
GOLDEN SWORD
Record Low Rating: 72
LaHossBoss
GOLD KEY
Highest rating: 41
All awards are from this game: Adventure (1980) (Atari 2600) Level 1 play through
I know I'm late to this thread, but this post by @Anonymous is spectacular 😆
My rating is a 53. I have about 78% of my auto loan left ($11,660) and low utilization on my cards ($25 balance out of $35,600 total). No mortgage or other types of accounts. My two flags are:
1. High Installment Balance
2. Short Credit History
@KLEXH25 wrote:I know I'm late to this thread, but this post by @Anonymous is spectacular 😆
My rating is a 53. I have about 78% of my auto loan left ($11,660) and low utilization on my cards ($25 balance out of $35,600 total). No mortgage or other types of accounts. My two flags are:
1. High Installment Balance
2. Short Credit History
Thanks @KLEXH25 ! I'll post a new table and link your row back to this post.
EQ FICO Resilience Index Leaderboard as of July 26, 2020 |
Breaking News |
K-in-Boston STILL holds The Golden Chalice! even though Kenro also has a 72. Because 3 FLAGS beats a question mark!
Dogbert is still KEEPER of The Golden Sword! for having the lowest/highest/worst/best score ever!
Welcome @KLEXH25 to the board!
FICO issued a press release about this score and it triggered a flurry of articles in the mainstream press. The Washington Post published an article about this 'new score'. Plenty more articles on Google here. Lots of article authors are wondering if/when consumers will be able to obtain their score. lol The first score was submitted to this thread on March 29, 2020.
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 | ||
Dogbert | 76 |
MEMBER NAME | SCORES | RED | HIGH | DATE |
RESILIENT [1-44] | ||||
GOLD KEY WINNER | ||||
Throckmorton's Wife | 40 | ? | 40 | |
LaHossBoss* | 43 | 0 | 41 | |
MODERATE [45-59] | ||||
FireMedic1 | 45 | 2 | 45 | |
PicoFico | 45 | 2 | 45 | |
EW800 | 46 | 2 | 46 | |
Thomas_Thumb | 48 | 2 | 48 | |
Tonya-E | 48 | 2 | 48 | |
Trudy | 49 | 2 | 49 | |
sjt | 51 | 2 | 47 | |
Chris865 [OP] | 52 | 2 | 52 | |
LaHossBoss SO | 52 | 2 | 52 | |
angelwingz | 53 | 2 | 53 | |
KLEXH25 | 53 | 2 | 53 | |
CassieCard | 56 | 2 | 53 | |
Dumbee | 56 | 2 | 56 | |
Flyingifr | 56 | 2 | 56 | |
kilroy8 | 56 | ? | 56 | |
TMB_ | 56 | 2 | 56 | |
tacpoly | 57 | 2 | 46 | |
CreditObsessedinFL | 58 | 2 | 56 | |
sarge12 | 59 | 2 | 59 | |
SENSITIVE [60-69] | ||||
Birdman7 | 60 | 2 | 60 | |
Brian_Earl_Spilner | 61 | 2 | 61 | |
NRB525 | 63 | 2 | 63 | |
Remedios | 63 | 2 | 63 | |
KEEPER OF THE GOLDEN SWORD | ||||
Dogbert* | 64 | 2 | 64 | |
joeyv1985 | 64 | 2 | 64 | |
Revelate | 65 | 2 | 63 | |
RehabbingANDBlabbing | 66 | 2 | 66 | |
VERY SENSITIVE [70-99] | ||||
Kenro* | 72 | ? | 72 | |
GOLDEN CHALICE WINNER | ||||
K-in-Boston | 72 | 3 | 72 |
* FORMER AWARD WINNERS * |
MEMBER NAME | AWARD | TROPHY | FOR | DATE |
Dogbert | GOLDEN CHALICE | Lowest rating: 76 | ||
Kenro | GOLDEN CHALICE | Lowest rating: 72 | ||
Kenro | GOLDEN SWORD | Record Low Rating: 72 | ||
LaHossBoss | GOLD KEY | Highest rating: 41 |
All awards are from this game: Adventure (1980) (Atari 2600) Level 1 play through
My local news just said FICO has created a new credit scoring index called the Resilliance Index -- in response to the Pandemic -- which scores borrowers on their Spending Habits and rates them from 1 to 99 -- lower being better...
Is this true? How's it work?
Any details are appreciated!!!
P.S.
I DON'T SPEND... 99% of ALL my transactions are through ACH via my Checking Account -- I doubt I spend $200 a month on Credit Cards -- how will this affect my rating?
Um... I guess... None of this makes any sense to me. I feel like a toddler in calculous class...
@Charmante wrote:Um... I guess... None of this makes any sense to me. I feel like a toddler in calculous class...
Hello Charmante,
Basically it's a "Stress" test for an individual to see if they can handle a downturn in the economy. Banks like Citi, Chase, Wells Fargo, etc. have a stress a similar test. Keeping your debt low and your payments on time are key.
Score ranges are listed below. The lower the better.
1-44 resilient
44-59 moderate
60-69 sensitive
70-99 very sensitive
PSA: Please do not change the name of existing threads, it confuses people.
@Charmante wrote:My local news just said FICO has created a new credit scoring index called the Resilliance Index -- in response to the Pandemic -- which scores borrowers on their Spending Habits and rates them from 1 to 99 -- lower being better...
Is this true? How's it work?
Any details are appreciated!!!
P.S.
I DON'T SPEND... 99% of ALL my transactions are through ACH via my Checking Account -- I doubt I spend $200 a month on Credit Cards -- how will this affect my rating?
Hi @Charmante . I think you'll do fine with this score, with that kind of low balance.
If you go back a few posts you'll see how 31 others ranked with it, and I can tell you everyone that did poorly on this score can get any card they want at any time.
Here's what FICO had to say about it: https://www.fico.com/blogs/fico-resilience-index-now-available-lenders-pilot
Pretty much every article on the net took their facts from that press release.