cancel
Showing results for 
Search instead for 
Did you mean: 

FICO Score Stress Indicators/Indexes

Dmessina666
Frequent Contributor

Re: FICO Score Stress Indicators/Indexes

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

Message 611 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@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.)

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 612 of 1,053
CreditCuriosity
Moderator

Re: FICO Score Stress Indicators/Indexes

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.

Message 613 of 1,053
Dmessina666
Frequent Contributor

Re: FICO Score Stress Indicators/Indexes

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. 

Message 614 of 1,053
Dmessina666
Frequent Contributor

Re: FICO Score Stress Indicators/Indexes

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. 

Message 615 of 1,053
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: FICO Score Stress Indicators/Indexes


@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.


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.




Message 616 of 1,053
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: FICO Score Stress Indicators/Indexes


@CassieCard wrote:

@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....




Message 617 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

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!

golden-sword.png

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

gold-key.png

Lulah

37

0

37

07-24-2020

THE BAT

bat.png

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

golden-chalice.png

golden-sword.png

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

golden-chalice.png

Lowest rating: 76

10-01-2020

Brian_Earl_Spilner

GOLDEN SWORD

golden-sword.png

Record Low Rating: 76

10-01-2020

CreditCuriosity

GOLDEN CHALICE

golden-chalice.png

Lowest rating: 75

09-23-2020

Dogbert

GOLDEN CHALICE

golden-chalice.png

Lowest rating: 76

04-03-2020

Dogbert

GOLDEN SWORD

golden-sword.png

Record Low Rating: 76

04-03-2020

JWD1980

GOLD KEY

gold-key.png

Highest Rating: 40

07-26-2020

K-in-Boston

GOLDEN CHALICE

golden-chalice.png

Lowest rating: 73

09-04-2020

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 

 

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!

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 618 of 1,053
tacpoly
Established Contributor

Re: FICO Score Stress Indicators/Indexes

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.  

2.png

3.png

1.png

Message 619 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

@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!

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 620 of 1,053
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.