cancel
Showing results for 
Search instead for 
Did you mean: 

FICO Score Stress Indicators/Indexes

CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@Lulah 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 52EF7C82-D879-451C-9377-9F44F2105136.png

 


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

28 FICO Scores + FICO RESilience Index + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of Resilience: EQ FICO Resilience Index Score Leaderboard (59 People!)

Message 501 of 1,064
Lulah
Established Member

Re: FICO Score Stress Indicators/Indexes

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 

Starting 4/2020:


Current 10/2020:


North Star: Buy our first house in mid 2021!>


Message 502 of 1,064
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

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!

 

@Lulah 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!

golden_sword.png

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

gold_key.png

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

golden_sword.png

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

golden_chalice.png

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

golden_chalice.png

Lowest rating: 76

04-03-2020

JWD1980

GOLD KEY

gold_key.png

Highest Rating: 40

07-26-2020

Kenro

GOLDEN CHALICE

golden_chalice.png

Lowest rating: 72

05-03-2020

Kenro

GOLDEN SWORD

golden_sword.png

Record Low Rating: 72

05-03-2020

LaHossBoss

GOLD KEY

gold_key.png

Highest rating: 41

04-17-2020

Throckmorton's Wife

GOLD KEY

gold_key.png

Highest Rating: 40

05-07-2020

 

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

28 FICO Scores + FICO RESilience Index + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of Resilience: EQ FICO Resilience Index Score Leaderboard (59 People!)

Message 503 of 1,064
OmarGB9
Community Leader
Super Contributor

Re: FICO Score Stress Indicators/Indexes

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

 

2 red flags.

 

Screenshot_20200903-234806_Firefox.jpg

 


Last App: 04/05/2021
Penfed Signature Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 504 of 1,064
sjt
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@OmarGB9 wrote:

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

 

2 red flags.

 

Screenshot_20200903-234806_Firefox.jpg

 


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

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 505 of 1,064
K-in-Boston
Moderator

Re: FICO Score Stress Indicators/Indexes

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.

Message 506 of 1,064
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@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.


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!

28 FICO Scores + FICO RESilience Index + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of Resilience: EQ FICO Resilience Index Score Leaderboard (59 People!)

Message 507 of 1,064
K-in-Boston
Moderator

Re: FICO Score Stress Indicators/Indexes

I hope @Lulah'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.

Message 508 of 1,064
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@K-in-Boston wrote:

I hope @Lulah'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.


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.

28 FICO Scores + FICO RESilience Index + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of Resilience: EQ FICO Resilience Index Score Leaderboard (59 People!)

Message 509 of 1,064
jayk1
New Member

Re: FICO Score Stress Indicators/Indexes

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

 

Message 510 of 1,064
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.