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FICO Score Stress Indicators/Indexes

CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

EQ FICO Resilience Index

Leaderboard as of October 15, 2020

Breaking News

 

Welcome @LP007 , the 45th member on the board!

 

@GApeachy  and  @joeyv1985  makin' a move!

 

Dmessina666 reigns supreme with

The Golden Chalice and The Golden Sword !!!

 

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: A VP of Scores at 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

juggernaut9

38

0

38

10-07-2020

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

LP007

47

2

47

10-07-2020

Tonya-E

47

2

47

08-07-2020

Thomas_Thumb

48

2

48

04-07-2020

jasonbourne84

49

2

49

10-08-2020

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

10-14-2020

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

joeyv1985

58

2

58

10-13-2020

sarge12

59

2

59

08-24-2020

SENSITIVE [60-69]

coreysw12

60

2

60

09-17-2020

CreditObsessedinFL

60

2

56

09-29-2020

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]

jasonbourne84's DH

72

3

72

10-11-2020

Kenro*

72

?

72

05-03-2020

K-in-Boston*

73

3

72

10-04-2020

GApeachy

74

3

73

10-13-2020

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 3 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 681 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

Here's what can happen even if someone is rated 'Sensitive [60-69]' on this score:

 

$13,500 across 3 CLIs on the same card in less than a year! Congratulations, @Birdman7 !

 

Obviously, you're well on the road to financial ruin, just as the EQ FICO Resilience Index predicted!

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 682 of 1,053
GApeachy
Super Contributor

Re: FICO Score Stress Indicators/Indexes


@CassieCard wrote:

Here's what can happen even if someone is rated 'Sensitive [60-69]' on this score:

$13,500 across 3 CLIs on the same card in less than a year! 


I see whatcha mean jelly bean. Smiley Tongue

Yay to the @Birdman7 on your cli's.

"My Take Home Pay Don't Take Me Home"
Message 683 of 1,053
Birdman7
Super Contributor

Re: FICO Score Stress Indicators/Indexes


@CassieCard wrote:

Here's what can happen even if someone is rated 'Sensitive [60-69]' on this score:

 

$13,500 across 3 CLIs on the same card in less than a year! Congratulations, @Birdman7 !

 

Obviously, you're well on the road to financial ruin, just as the EQ FICO Resilience Index predicted!


Thank you! Yes and that's just on one card... and during these precarious times. The sensitivity just gets me all choked up ... 😢 ... I think @sarge12 is rubbing off on me. 

But that's just one lender. Miss Disco has still told me where to go, as did USB and their step child Elan, but I can't really complain. USB is my number 2 exposurewise across 3. Navy is right behind USB, but all on 1. Then it slides down to FNBO. Only Citi and its stepchild have given me more, and then not by much and across 4.

 

They can all be generous, but USB and Citi are artificial, including a joint. Having an old thick profile helps alot. Organically, Navy would be number 1 and FNBO would now be 2.

 

edit: and in my opinion these are all solid lenders, even though they may have quirks. I try to only deal with solid ones, but yes I do have a Synchrony Carecredit. Smiley Embarassed I am impressed with FNBO though. 

-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 684 of 1,053
Face_Value
New Contributor

Re: FICO Score Stress Indicators/Indexes

@CassieCard Hi Everyone, 

 

    I am in the middle of refinancing my truck. Only the PAID/CLOSED account is showing so far on EQ. ( new account not reporting yet)

    So it looks like 18k in debt is paid off. Giving me a lower resilence score of 54 from 57. (gotcha beat lol)2020-10-17 (3).png

More evidence that its all about exposure. People with high scores and credit limits have higher/worse scores.

 

The 2 red flags are for "short account history" and "no installment loan"

 

additional data points......

Even with 18k in debt paid off my fico 8 score went down 6pts (731-725). I guess losing the installment account in my mix overshadowed any increase expected from paying down that much debt? Oddly enough my VS3 went up 51 pts. (662-713). Very confusing. It will be interesting to see when the new account hits what happens.

 

Starting Score: 700
Current Score: 769
Goal Score: 800


size="1">Take the myFICO Fitness Challenge
Message 685 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@Face_Value wrote:

@CassieCard Hi Everyone, 

 

    I am in the middle of refinancing my truck. Only the PAID/CLOSED account is showing so far on EQ. ( new account not reporting yet)

    So it looks like 18k in debt is paid off. Giving me a lower resilence score of 54 from 57. (gotcha beat lol)2020-10-17 (3).png

More evidence that its all about exposure. People with high scores and credit limits have higher/worse scores.

 

The 2 red flags are for "short account history" and "no installment loan"

 

additional data points......

Even with 18k in debt paid off my fico 8 score went down 6pts (731-725). I guess losing the installment account in my mix overshadowed any increase expected from paying down that much debt? Oddly enough my VS3 went up 51 pts. (662-713). Very confusing. It will be interesting to see when the new account hits what happens.

 


A great data point, @Face_Value ! We'll now get to see both sides of a loan on file. A loss of 6 points doesn't seem bad at all, relative to what others sometimes report.

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 686 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

EQ FICO Resilience Index

Leaderboard as of October 17, 2020

Breaking News

 

@Face_Value movin' up during an auto loan refinance!

 

Dmessina666 reigns supreme with

The Golden Chalice and The Golden Sword !!!

 

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: A VP of Scores at 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

juggernaut9

38

0

38

10-07-2020

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

LP007

47

2

47

10-07-2020

Tonya-E

47

2

47

08-07-2020

Thomas_Thumb

48

2

48

04-07-2020

jasonbourne84

49

2

49

10-08-2020

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

Face_Value

54

2

54

10-17-2020

CassieCard

55

2

53

10-14-2020

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

joeyv1985

58

2

58

10-13-2020

sarge12

59

2

59

08-24-2020

SENSITIVE [60-69]

coreysw12

60

2

60

10-17-2020

CreditObsessedinFL

60

2

56

09-29-2020

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]

jasonbourne84's DH

72

3

72

10-11-2020

Kenro*

72

?

72

05-03-2020

K-in-Boston*

73

3

72

10-04-2020

GApeachy

74

3

73

10-13-2020

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 3 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 687 of 1,053
coreysw12
Valued Contributor

Re: FICO Score Stress Indicators/Indexes

Just got my monthly update, and although my FICO scores are up quite a bit and my utilization dropped by around 10%, I've got the same exact score as before (60), and the same 2 flags as before. So that's at least good news for @CassieCard who doesn't need to update the table for me Smiley LOL

    Total Loan Balance: $58k / $65k

    Total SL: $42.4k
Goal cards:



United 1K - 675,000 lifetime flight miles    |    Chase Status: 3/24
Message 688 of 1,053
Birdman7
Super Contributor

Re: FICO Score Stress Indicators/Indexes


@Face_Value wrote:

@CassieCard Hi Everyone, 

 

    I am in the middle of refinancing my truck. Only the PAID/CLOSED account is showing so far on EQ. ( new account not reporting yet)

    So it looks like 18k in debt is paid off. Giving me a lower resilence score of 54 from 57. (gotcha beat lol)2020-10-17 (3).png

More evidence that its all about exposure. People with high scores and credit limits have higher/worse scores.

 

The 2 red flags are for "short account history" and "no installment loan"

 

additional data points......

Even with 18k in debt paid off my fico 8 score went down 6pts (731-725). I guess losing the installment account in my mix overshadowed any increase expected from paying down that much debt? Oddly enough my VS3 went up 51 pts. (662-713). Very confusing. It will be interesting to see when the new account hits what happens.

 


@Face_Value I doubt it was related to mix, if so very little due to the ratio factor, the loss was probably due to the change in amounts owed.

-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 689 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@coreysw12 wrote:

Just got my monthly update, and although my FICO scores are up quite a bit and my utilization dropped by around 10%, I've got the same exact score as before (60), and the same 2 flags as before. So that's at least good news for @CassieCard who doesn't need to update the table for me Smiley LOL


lol It's all good. If you move up or down it's just a CTRL-X & CTRL-V anyway. Then update the profile data link to your new post.

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 690 of 1,053
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