FICO Score Stress Indicators/Indexes

[Anonymous]

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@Anonymous wrote:

How do we play?

i think I've got a good one!  I am working on my credit score but was pleasantly surprised with this! No red flags 

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This is beautiful! Best score so far and you now possess the coveted Golden Key!

[Anonymous]

Oh wow! I humbly accept ☺️
At least I am doing something right!  now to find a house broker who takes the resilience score and the golden key as enough to give me a mortgage.  #onecandream 

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of August 31, 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! The Realm of Resilience has been ROCKED! @Anonymous arrives with a score of 37 and is now sole possessor of the Gold Key!  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 & 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
Lulah	37	0	37	07-24-2020
JWD1980	40	0	40	07-26-2020
Throckmorton's Wife	40	?	40	05-07-2020
LaHossBoss*	43	0	41	08-18-2020
tacpoly	43	0	43	08-14-2020
MODERATE [45-59]
FireMedic1	45	2	45	06-05-2020
PicoFico	45	2	45	04-30-2020
EW800	46	2	46	05-01-2020
Thomas_Thumb	48	2	48	04-07-2020
Tonya-E	47	2	47	08-07-2020
Trudy	49	2	49	06-12-2020
sjt	51	2	47	08-17-2020
Chris865 [OP]	52	2	52	05-23-2020
angelwingz	53	2	53	04-09-2020
KLEXH25	53	2	53	07-26-2020
Credit4Growth	54	2	54	07-30-2020
CassieCard	55	2	53	08-11-2020
LaHossBoss SO	55	2	52	08-18-2020
Dumbee	56	2	56	07-01-2020
Flyingifr	56	2	56	07-21-2020
kilroy8	56	?	56	06-11-2020
TMB_	56	2	56	06-01-2020
sarge12	59	2	59	08-24-2020
SENSITIVE [60-69]
Brian_Earl_Spilner	61	2	61	06-06-2020
CreditObsessedinFL	61	2	56	08-19-2020
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
joeyv1985	65	2	64	08-14-2020
Revelate	65	2	63	06-14-2020
Birdman7	66	2	60	08-20-2020
RehabbingANDBlabbing	66	2	66	03-29-2020
VERY SENSITIVE [70-99]
Kenro*	72	?	72	05-03-2020
GOLDEN CHALICE WINNER
K-in-Boston	72	3	72	07-03-2020

* FORMER AWARD WINNERS *

MEMBER NAME	AWARD	TROPHY	FOR	DATE Click for Individual Profile Data
Dogbert	GOLDEN CHALICE		Lowest rating: 76	04-03-2020
JWD1980	GOLD KEY		Highest Rating: 40	07-26-2020
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
Throckmorton's Wife	GOLD KEY		Highest Rating: 40	05-07-2020

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

[OmarGB9]

Man, I'm in the middle of the pack. It's mainly cause of my recent auto loan for my truck. No regrets though.

2 red flags.

[sjt]

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@OmarGB9 wrote:

Man, I'm in the middle of the pack. It's mainly cause of my recent auto loan for my truck. No regrets though.

2 red flags.

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I bet your Resilience score will go down when your first payment is reported.

[K-in-Boston]

Oops, I forgot to give an update last month that I went back "up" to 73 with 3 flags.  Just pulled my 3B reports for September, and still at 73 with 3 flags: "High revolving account balances" and "High installment loan amounts due" from the Amount of Debt tab and "High percent of revolving accounts" from the Credit Mix tab.  FICO 8 scores all in the 800s with single-digit aggregate utilization.

[Anonymous]

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@K-in-Boston wrote:

Oops, I forgot to give an update last month that I went back "up" to 73 with 3 flags.  Just pulled my 3B reports for September, and still at 73 with 3 flags: "High revolving account balances" and "High installment loan amounts due" from the Amount of Debt tab and "High percent of revolving accounts" from the Credit Mix tab.  FICO 8 scores all in the 800s with single-digit aggregate utilization.

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Cool. I'm going to go ahead and make that 'Golden Sword in Golden Chalice' graphic now. You'll be a legend. 77 for the win!

[K-in-Boston]

I hope @Anonymous's iPhone battery is just as resilient as their score!

I'm not sure why my score really is what it is.  I noted when I became one point more resilient in July that my balances went up, I opened a new credit card, I had a loan that was paid down a bit closed and had a new loan refi reporting; basically everything that causes a normal FICO score to get worse caused this score to get better.  FICO scores get better, this score gets worse.

[Anonymous]

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@K-in-Boston wrote:

I hope @Anonymous's iPhone battery is just as resilient as their score!

I'm not sure why my score really is what it is.  I noted when I became one point more resilient in July that my balances went up, I opened a new credit card, I had a loan that was paid down a bit closed and had a new loan refi reporting; basically everything that causes a normal FICO score to get worse caused this score to get better.  FICO scores get better, this score gets worse.

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Mathematically speaking, this opinion of mine defies reason, but I think this score really just gives up on truly evaluating someone's profile when they are above a certain length of history plus credit score. It seems like an exponential decay.

The CEO of FICO stated clearly on an earnings call that it was meant to evaluate edge cases.

[Anonymous]

I am not sure this score means anything.  I had a score of 69... With 100k in debt. 

Paid my debt down to 12k during this economic downturn amd still have a score of 69.

They have know way of knowing my income nor the reliability of it so at best they are guessing.  Being able to  pay down that much debt during a crisis should point to something more or a positive indicator