@Credit4Growth wrote:
@Trudy wrote:Equifax is my highest in every score. According to this I'm a Moderate risk with 1 flag; Revolving Balances.
Actually 4.64% AGG revolving UTL. Rounded up on MyFICO printscreen below.
From my 4/11 report
@Anonymous
In the last image of the post with the labor, INGREDIENTS... Is this form the MyFico app or webpage. If so how do you navigate to it?
Thank you in advance for any responses.
@Credit4Growth: It's part of the 1B/3B report in PDF format.
You get to it by clicking a report in the list, which opens it up and you can click 'Print or Save', which will open a new page where you can view all of that.
@Anonymous wrote:
Update. 66 high instalment and high number of revolvers
You're going for the Golden Chalice, aren't you? 
You've got a GREAT credit profile, so I think you have a really good chance of being rated as a complete credit degenerate on the Resilience Index.
@Anonymous wrote:
@Credit4Growth wrote:
@Trudy wrote:Equifax is my highest in every score. According to this I'm a Moderate risk with 1 flag; Revolving Balances.
Actually 4.64% AGG revolving UTL. Rounded up on MyFICO printscreen below.
From my 4/11 report
@Anonymous
In the last image of the post with the labor, INGREDIENTS... Is this form the MyFico app or webpage. If so how do you navigate to it?
Thank you in advance for any responses.
@Credit4Growth: It's part of the 1B/3B report in PDF format.
You get to it by clicking a report in the list, which opens it up and you can click 'Print or Save', which will open a new page where you can view all of that.
On these reports, what is the ideal "Risk Rate". Under 4-5%? I show 6% for Eq and Ex and 2% for TU on my report.
@joeyv1985 wrote:
@Anonymous wrote:
On these reports, what is the ideal "Risk Rate". Under 4-5%? I show 6% for Eq and Ex and 2% for TU on my report.
My very first myFICO credit report was a TransUnion 1B on December 4, 2018. I had 11 months total credit history with only 1 Credit Builder Loan on my file, and it was showing $84 remaining on $500 - 17% utilization.
My 'Risk Rate' was 13%, and there was a chart on the 1B PDF that showed the ranges:
@Anonymous wrote:
@joeyv1985 wrote:
@Anonymous wrote:
On these reports, what is the ideal "Risk Rate". Under 4-5%? I show 6% for Eq and Ex and 2% for TU on my report.
My very first myFICO credit report was a TransUnion 1B on December 4, 2018. I had 11 months total credit history with only 1 Credit Builder Loan on my file, and it was showing $84 remaining on $500 - 17% utilization.
My 'Risk Rate' was 13%, and there was a chart on the 1B PDF that showed the ranges:
Sometime slightly before November of 2016 was the last time any of my fico 08 scores were ever under 800 at all three CRA's for a risk of 1%. In spite of that, as I recently learned, I was probably not very resilient. I still can't find a good reliable support group for those of us who are decidedly less resilient than we should be. There has to be help out there somewhere...we need hope! I am even concerned now that my death in the future might include a footnote on my tombstone after saying good son, brother, and uncle, to say he was never very resilient though. Why am I not yet seeing major news outlets speaking out about the low resilience crisis that might exist here? Does anybody even care? I think I am alone in the wilderness, a lonely ship in a storm, and my future is looking bleak.
@sarge12 wrote:
@Anonymous wrote:
@joeyv1985 wrote:
@Anonymous wrote:
On these reports, what is the ideal "Risk Rate". Under 4-5%? I show 6% for Eq and Ex and 2% for TU on my report.
My very first myFICO credit report was a TransUnion 1B on December 4, 2018. I had 11 months total credit history with only 1 Credit Builder Loan on my file, and it was showing $84 remaining on $500 - 17% utilization.
My 'Risk Rate' was 13%, and there was a chart on the 1B PDF that showed the ranges:
Sometime slightly before November of 2016 was the last time any of my fico 08 scores were ever under 800 at all three CRA's for a risk of 1%. In spite of that, as I recently learned, I was probably not very resilient. I still can't find a good reliable support group for those of us who are decidedly less resilient than we should be. There has to be help out there somewhere...we need hope! I am even concerned now that my death in the future might include a footnote on my tombstone after saying good son, brother, and uncle, to say he was never very resilient though. Why am I not yet seeing major news outlets speaking out about the low resilience crisis that might exist here? Does anybody even care? I think I am alone in the wilderness, a lonely ship in a storm, and my future is looking bleak.
I am even concerned now that my death in the future might include a footnote on my tombstone after saying good son, brother, and uncle, to say he was never very resilient though.
LOL! Bravo there Sarge!
@joeyv1985 wrote:
@sarge12 wrote:Sometime slightly before November of 2016 was the last time any of my fico 08 scores were ever under 800 at all three CRA's for a risk of 1%. In spite of that, as I recently learned, I was probably not very resilient. I still can't find a good reliable support group for those of us who are decidedly less resilient than we should be. There has to be help out there somewhere...we need hope! I am even concerned now that my death in the future might include a footnote on my tombstone after saying good son, brother, and uncle, to say he was never very resilient though. Why am I not yet seeing major news outlets speaking out about the low resilience crisis that might exist here? Does anybody even care? I think I am alone in the wilderness, a lonely ship in a storm, and my future is looking bleak.
I am even concerned now that my death in the future might include a footnote on my tombstone after saying good son, brother, and uncle, to say he was never very resilient though.
LOL! Bravo there Sarge!
@sarge12was one of the first casualties of this score, long, long before the Leaderboard was created. His posts about this score are legendary. lol
EQ FICO Resilience Index Leaderboard as of August 21, 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!
@Anonymous really wants that Golden Chalice - 60 to 66 this time! Not gonna make it though, because out of 32 credit scores - 28 FICO + 3 VS3 + 1 VS4 - only 24 of those are at 800 or above. The other 8 are very, very close to 800 though, so this will be an interesting race to watch! 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.
This Resilience Index score is included with a myFICO subscription. It will be shown on the dashboard.
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 WINNERS |
| |||
JWD1980 | 40 | 0 | 40 | |
Throckmorton's Wife | 40 | ? | 40 | |
| LaHossBoss* | 43 | 0 | 41 | |
| tacpoly | 43 | 0 | 43 | |
MODERATE [45-59] | ||||
| FireMedic1 | 45 | 2 | 45 | |
| PicoFico | 45 | 2 | 45 | |
| EW800 | 46 | 2 | 46 | |
| Thomas_Thumb | 48 | 2 | 48 | |
| Tonya-E | 47 | 2 | 47 | |
| Trudy | 49 | 2 | 49 | |
| sjt | 51 | 2 | 47 | |
Chris865 [OP] | 52 | 2 | 52 | |
| angelwingz | 53 | 2 | 53 | |
| KLEXH25 | 53 | 2 | 53 | |
| Credit4Growth | 54 | 2 | 54 | |
| CassieCard | 55 | 2 | 53 | |
| LaHossBoss SO | 55 | 2 | 52 | |
| Dumbee | 56 | 2 | 56 | |
| Flyingifr | 56 | 2 | 56 | |
| kilroy8 | 56 | ? | 56 | |
| TMB_ | 56 | 2 | 56 | |
| sarge12 | 59 | 2 | 59 | |
SENSITIVE [60-69] | ||||
| Brian_Earl_Spilner | 61 | 2 | 61 | |
| CreditObsessedinFL | 61 | 2 | 56 | |
| NRB525 | 63 | 2 | 63 | |
| Remedios | 63 | 2 | 63 | |
KEEPER OF THE GOLDEN SWORD |
| |||
Dogbert* | 64 | 2 | 64 | |
| joeyv1985 | 65 | 2 | 64 | |
| Revelate | 65 | 2 | 63 | |
| Birdman7 | 66 | 2 | 60 | |
| 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