FICO Score Stress Indicators/Indexes

[Dmessina666]

Now you can count me in, and I'd like the leaderboard to be adjusted accordingly please lol. 

[Anonymous]

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@Dmessina666 wrote:

Sure thing. I do have 3 flags. 

My EQ8 actually just jumped 13 points when AZEO kicked in, went from 660 to 673. I'm currently at 2% with a $225 balance on PayPal Credit. 

I'll attach the 3 flags below, and I think opening 16 new accounts in the last 18 months plays a part in my high sensitivity. 

Thanks for the detailed info!

And LOL at 16 new accounts in 18 months! That's legendary, even for app-happy myFICO forum members.

The realm rejoices with news that Darth Spilner has been defeated!

(Or at least I do...power went to his head. I should have seen it coming - he owns a Lexus with a huge grille.)

[CreditCuriosity]

As mentioned i think risk index is very heavily weighed on mortgage/installment loans obviously the new throne keeper just got a new mortgage / refi and this would put them at a 99-100% utilization on that installment loan.. Looks like in penalizes that quite heavily as mine is high as well be new car loan at 97%+ left and new mortgage at 98-99% left...

Also to note I am over 15-20 accounts in last two years as well as always chasing bonuses and new lenders so not hiding that if that also helps reverse engineer what this score is looking at.

[Dmessina666]

Yes, my rebuild was aggressive when I started 4/2019. I wouldn't recommend it for many people. What's even more crazier is that out of all those apps, I only had one denial. 

No more apps for me for at least 18 months. I wouldn't be where I am if it wasn't for this forum. The knowledge here is priceless. 

[Dmessina666]

Yes, my mortgage is at 99% but my auto loan is at 35% paid. Doesn't seem to make much a difference until I get a little higher and pass the installment threshold on the car. 

I did close my starter cards after a year also which included Credit One, Inidgo, and Zales jewelry card. Such awful cards but they served their purpose. 

How many hard pulls are you currently sitting with??? I'm at 51 total, about half of those being 12 months old. 

[Brian_Earl_Spilner]

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@CreditCuriosity wrote:

As mentioned i think risk index is very heavily weighed on mortgage/installment loans obviously the new throne keeper just got a new mortgage / refi and this would put them at a 99-100% utilization on that installment loan.. Looks like in penalizes that quite heavily as mine is high as well be new car loan at 97%+ left and new mortgage at 98-99% left...

Also to note I am over 15-20 accounts in last two years as well as always chasing bonuses and new lenders so not hiding that if that also helps reverse engineer what this score is looking at.

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That's a good theory. I just paid off a car loan and the new one reported last month, a month behind on payments. On top of that, I opened 10 new cards since January.

[Brian_Earl_Spilner]

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@Anonymous wrote:

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@Dmessina666 wrote:

Sure thing. I do have 3 flags. 

My EQ8 actually just jumped 13 points when AZEO kicked in, went from 660 to 673. I'm currently at 2% with a $225 balance on PayPal Credit. 

I'll attach the 3 flags below, and I think opening 16 new accounts in the last 18 months plays a part in my high sensitivity. 

Thanks for the detailed info!

And LOL at 16 new accounts in 18 months! That's legendary, even for app-happy myFICO forum members.

The realm rejoices with news that Darth Spilner has been defeated!

(Or at least I do...power went to his head. I should have seen it coming - he owns a Lexus with a huge grille.)

---

Nobody's ever complained about the size before....

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of October 4, 2020

Breaking News

Dmessina666 has taken The Golden Chalice ... ...AND The Golden Sword from Brian_Earl_Spilner!!! @tacpoly wins The Bat award for scoring a 39 with an EQ 8 850! Lulah is still sole possessor of the Gold Key with a score of 37 ! FICO issued a press release about this score and it triggered a flurry of articles in the press. The Washington Post published an article about this 'new score'. Plenty more articles on Google here. Many 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. New Podcast Interview: The Scores Vice President of FICO talks about the new FICO Resilience Index. 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
Dmessina666	78	09-17-2020

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
THE BAT
tacpoly [EQ 8 850]	39	0	39	10-04-2020
JWD1980	40	0	40	07-26-2020
Throckmorton's Wife*	40	?	40	05-07-2020
LaHossBoss*	43	0	41	08-18-2020
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
Face_Value	57	2	57	06-01-2020
sarge12	59	2	59	08-24-2020
SENSITIVE [60-69]
coreysw12	60	2	60	09-17-2020
CreditObsessedinFL	60	2	56	09-29-2020
joeyv1985	62	2	62	09-13-2020
NRB525	63	2	63	04-06-2020
Remedios	63	2	63	06-06-2020
Dogbert*	64	2	64	06-25-2020
OmarGB9	64	2	64	08-22-2020
Revelate	65	2	63	06-14-2020
RehabbingANDBlabbing	66	2	66	03-29-2020
Birdman7	67	2	60	09-29-2020
Dumbee	68	2	56	09-11-2020
jayk1	69	?	69	09-05-2020
VERY SENSITIVE [70-99]
Kenro*	72	?	72	05-03-2020
GApeachy	73	3	73	09-29-2020
K-in-Boston*	73	3	72	09-04-2020
CreditCuriosity*	75	3	75	09-23-2020
Brian_Earl_Spilner*	76	3	76	10-01-2020
GOLDEN CHALICE WINNER AND KEEPER OF THE GOLDEN SWORD
Dmessina666	78	3	78	09-17-2020

* FORMER AWARD WINNERS *

MEMBER NAME	AWARD	TROPHY	FOR	DATE Click for Individual Profile Data
Brian_Earl_Spilner	GOLDEN CHALICE		Lowest rating: 76	10-01-2020
Brian_Earl_Spilner	GOLDEN SWORD		Record Low Rating: 76	10-01-2020
CreditCuriosity	GOLDEN CHALICE		Lowest rating: 75	09-23-2020
Dogbert	GOLDEN CHALICE		Lowest rating: 76	04-03-2020
Dogbert	GOLDEN SWORD		Record Low Rating: 76	04-03-2020
JWD1980	GOLD KEY		Highest Rating: 40	07-26-2020
K-in-Boston	GOLDEN CHALICE		Lowest rating: 73	09-04-2020
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 

The Bat is awarded for best EQ 8 score with lowest Resilience Index score. The bat can fly away with any award - even a dragon!

[tacpoly]

Incremental improvement to my Resilience score (from 43 to 39).  No red flags and no changes to FICO8 scores: still 850's across the board.  

[Anonymous]

@tacpoly: Last time, on 8-14-2020, you paid all cards to $0, which gave you EQ 846 and Resilience Index 43 with no flags.

Do you have a very low balance on 1 card this time?

You have the absolute best overall rating of anyone so far: highest EQ 8 score (850) with lowest Resilience Index score (39).

You should get the bat award. Some people hate bats, though.

In the 40 year old videogame that all of these awards came from, the bat has the power to take away any other object - even a dragon!