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FICO Score Stress Indicators/Indexes

sarge12
Valued Contributor

Re: FICO Score Stress Indicators/Indexes

Let me clarify how I see these index score groups using high school kids as examples. Those in the resilient range of 1-44 are the athletes, cheerleaders, and class office holders. They are very popular, and everyone wants to be them, except maybe the bottom group represented by the 60-99 scores. This is the counter culture bunch that is still fairly cool. They seem to exist to break all of society rules, they might get in fights, smoke something, but even the popular kids are not likely to want to challenge them, as they might just be a bit crazy. The popular kids do not want to be them, and they don't want to be the popular kids either. That brings up the third group, it consists of the nerds, and victims of being picked on by the other 2 groups. They would love to be in either of the other groups, and they have few friends, because being seen with them might cause the first group to lose popularity points. Likewise the bottom group might lose some street credibility if seen with them. Some interaction might be required by the other 2 groups to bully them into doing their homework. If so they will make certain other members in their groups know why they are talking to them. I am very close to being in that counter-culture crowd with just 1 more point. I can look at my 59, and know there is little hope of being in the popular crowd. I just hope and pray that I can get into the bottom group before someone locks me in a locker or puts me in a trash can. I am sick of doing their homework as well. Nobody wants to be in this middle group, not even those that are in the middle group. Unlike the other 2 groups, they don't even want to be seen talking to others in their own group, for fear that it will prevent them from ever becoming a member of either of the other groups.

TU fico08=842 04/29/21
EX fico08=830 05/08/21
EQ fico09=827 05/01/21
EX fico09=824 05/05/21
EQ fico bankcard08=856 04/27/21
TU Fico Bankcard 08=881 04/23/21
EQ NG1 fico=802 01/21/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 521 of 1,064
joeyv1985
Frequent Contributor

Re: FICO Score Stress Indicators/Indexes

Wells Fargo reported my Fico 9 score this morning and I was pleasantly surprised on the 54 point increase. This puts me within striking distance of my 1st 800 score. I can't wait until this weekend for my monthly report. 

Message 522 of 1,064
joeyv1985
Frequent Contributor

Re: FICO Score Stress Indicators/Indexes


@joeyv1985 wrote:

Wells Fargo reported my Fico 9 score this morning and I was pleasantly surprised on the 54 point increase. This puts me within striking distance of my 1st 800 score. I can't wait until this weekend for my monthly report. 


WFCFico9.jpeg

Message 523 of 1,064
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@joeyv1985 wrote:

@joeyv1985 wrote:

Wells Fargo reported my Fico 9 score this morning and I was pleasantly surprised on the 54 point increase. This puts me within striking distance of my 1st 800 score. I can't wait until this weekend for my monthly report. 


WFCFico9.jpeg


You're doing just great, @joeyv1985 ! I'd have goosebumps with that kind of increase! Can't wait to see the new Resilience score!

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 524 of 1,064
joeyv1985
Frequent Contributor

Re: FICO Score Stress Indicators/Indexes


@CassieCard wrote:

@joeyv1985 wrote:

@joeyv1985 wrote:

Wells Fargo reported my Fico 9 score this morning and I was pleasantly surprised on the 54 point increase. This puts me within striking distance of my 1st 800 score. I can't wait until this weekend for my monthly report. 


WFCFico9.jpeg


You're doing just great, @joeyv1985 ! I'd have goosebumps with that kind of increase! Can't wait to see the new Resilience score!


Thanks Cassie. I can't even see straight right right now just thinking about it. 

Message 525 of 1,064
Dumbee
Established Contributor

Re: FICO Score Stress Indicators/Indexes

Pulled my 3B again, so I could get my mortgage scores for some CU app

Resilience went from 56 to 68 

2 Flags:
High installment loan balances
Short credit history

I only owe $100/1000 on installments, on 1 open loan 
AZEO, one account at 740/10,000, and one AU charge card
Added a couple new cards since last pull

Current EQ Scores:
F8: 702
F9: 721
F5/Mortgage: 674
Bankcard 5/8/9: 692/710/732
Auto 5/8/9: 678/697/722

AAoA: 6 mo.
AoOA: 12 mo.
AoYA: 2 mo.

Previous scores: https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-Score-Stress-Indicators-Indexes/m-p/6070... 


Smiley Embarassed
Personal/40.15K Biz/23K POT/17K
Message 526 of 1,064
joeyv1985
Frequent Contributor

Re: FICO Score Stress Indicators/Indexes


@joeyv1985 wrote:

@CassieCard wrote:

@joeyv1985 wrote:

@joeyv1985 wrote:

Wells Fargo reported my Fico 9 score this morning and I was pleasantly surprised on the 54 point increase. This puts me within striking distance of my 1st 800 score. I can't wait until this weekend for my monthly report. 


WFCFico9.jpeg


You're doing just great, @joeyv1985 ! I'd have goosebumps with that kind of increase! Can't wait to see the new Resilience score!


Thanks Cassie. I can't even see straight right right now just thinking about it. 


Resilience Score dropped to 62 from 65. I was expecting more. I paid off roughly $10K in principal for my car loan, but Wells Fargo hasn't reported yet. Frustrating. Oh well, hopefully the 3B report in October is lower. 

Message 527 of 1,064
joeyv1985
Frequent Contributor

Re: FICO Score Stress Indicators/Indexes

On a positve note, the report did show a bevy of 800 FICO scores. A first for me. 

 

TU Auto 8: 800

EQ Auto 9: 806

TU Auto 9: 815

TU Bankcard 8: 800

EQ Bankcard 9: 800

TU Bankcard 9: 806

 

Message 528 of 1,064
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

My own update for September: I lowered aggregate % and total a little (-1% to 4%, -$125 to $1,111).

Same 55 and 2 red flags as last month.

 

September 13, 2020September 13, 2020

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 529 of 1,064
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

EQ FICO Resilience Index

Leaderboard as of September 13, 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

09-13-2020

LaHossBoss SO

55

2

52

08-18-2020

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]

CreditObsessedinFL

61

2

56

08-19-2020

joeyv1985

62

2

62

09-13-2020

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

OmarGB9

64

2

64

08-22-2020

Revelate

65

2

63

06-14-2020

Birdman7

66

2

60

08-20-2020

RehabbingANDBlabbing

66

2

66

03-29-2020

Brian_Earl_Spilner

68

2

61

09-07-2020

Dumbee

68

2

56

09-11-2020

jayk1

69

?

69

09-05-2020

VERY SENSITIVE [70-99]

Kenro*

72

?

72

05-03-2020

GOLDEN CHALICE WINNER &

Poulet Frit Kentucky

"Customer of the Year"

golden_chalice.png

K-in-Boston

73

3

72

09-04-2020

 

* 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 530 of 1,064
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