FICO Score Stress Indicators/Indexes

[sarge12]

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.

[joeyv1985]

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. 

[joeyv1985]

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@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. 

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[Anonymous]

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@joeyv1985 wrote:

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@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. 

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

[joeyv1985]

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@Anonymous wrote:

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@joeyv1985 wrote:

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@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. 

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

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

[Anonymous]

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... 

[joeyv1985]

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@joeyv1985 wrote:

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@Anonymous wrote:

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@joeyv1985 wrote:

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@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. 

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

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

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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. 

[joeyv1985]

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

[Anonymous]

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.

[Anonymous]

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!		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	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
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"
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		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