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 !
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 |
| |
Dmessina666 | 78 |
MEMBER NAME | SCORES | RED | HIGH | DATE |
RESILIENT [1-44] | ||||
GOLD KEY WINNER |
| |||
Lulah | 37 | 0 | 37 | |
juggernaut9 | 38 | 0 | 38 | |
THE BAT |
| |||
tacpoly [EQ 8 850] | 39 | 0 | 39 | |
JWD1980 | 40 | 0 | 40 | |
Throckmorton's Wife* | 40 | ? | 40 | |
| LaHossBoss* | 43 | 0 | 41 | |
MODERATE [45-59] | ||||
| FireMedic1 | 45 | 2 | 45 | |
| PicoFico | 45 | 2 | 45 | |
| EW800 | 46 | 2 | 46 | |
| LP007 | 47 | 2 | 47 | |
| Tonya-E | 47 | 2 | 47 | |
| Thomas_Thumb | 48 | 2 | 48 | |
| jasonbourne84 | 49 | 2 | 49 | |
| Trudy | 49 | 2 | 49 | |
| sjt | 51 | 2 | 47 | |
Chris865 [OP] | 52 | 2 | 52 | |
| angelwingz | 53 | 2 | 53 | |
| KLEXH25 | 53 | 2 | 53 | |
| Credit4Growth | 54 | 2 | 54 | |
| CassieCard | 55 | 2 | 53 | |
| LaHossBoss SO | 55 | 2 | 52 | |
| Flyingifr | 56 | 2 | 56 | |
| kilroy8 | 56 | ? | 56 | |
| TMB_ | 56 | 2 | 56 | |
| Face_Value | 57 | 2 | 57 | |
| joeyv1985 | 58 | 2 | 58 | |
| sarge12 | 59 | 2 | 59 | |
SENSITIVE [60-69] | ||||
| coreysw12 | 60 | 2 | 60 | |
| CreditObsessedinFL | 60 | 2 | 56 | |
| NRB525 | 63 | 2 | 63 | |
| Remedios | 63 | 2 | 63 | |
Dogbert* | 64 | 2 | 64 | |
| OmarGB9 | 64 | 2 | 64 | |
| Revelate | 65 | 2 | 63 | |
| RehabbingANDBlabbing | 66 | 2 | 66 | |
| Birdman7 | 67 | 2 | 60 | |
| Dumbee | 68 | 2 | 56 | |
| jayk1 | 69 | ? | 69 | |
VERY SENSITIVE [70-99] | ||||
jasonbourne84's DH | 72 | 3 | 72 | |
Kenro* | 72 | ? | 72 | |
K-in-Boston* | 73 | 3 | 72 | |
GApeachy | 74 | 3 | 73 | |
CreditCuriosity* | 75 | 3 | 75 | |
Brian_Earl_Spilner* | 76 | 3 | 76 | |
GOLDEN CHALICE WINNER AND |
|
| ||
Dmessina666 | 78 | 3 | 78 |
* FORMER AWARD WINNERS * |
MEMBER NAME | AWARD | TROPHY | FOR | DATE |
Brian_Earl_Spilner | GOLDEN CHALICE |
| Lowest rating: 76 | |
Brian_Earl_Spilner | GOLDEN SWORD |
| Record Low Rating: 76 | |
CreditCuriosity | GOLDEN CHALICE |
| Lowest rating: 75 | |
Dogbert | GOLDEN CHALICE |
| Lowest rating: 76 | |
Dogbert | GOLDEN SWORD |
| Record Low Rating: 76 | |
JWD1980 | GOLD KEY |
| Highest Rating: 40 | |
K-in-Boston | GOLDEN CHALICE |
| Lowest rating: 73 | |
Kenro | GOLDEN CHALICE |
| Lowest rating: 72 | |
Kenro | GOLDEN SWORD |
| Record Low Rating: 72 | |
LaHossBoss | GOLD KEY |
| Highest rating: 41 | |
Throckmorton's Wife | GOLD KEY |
| Highest Rating: 40 |
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!
@Anonymous 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. 
Yay to the @Anonymous on your cli's.
@Anonymous 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, @Anonymous !
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. 
I am impressed with FNBO though.
@Anonymous 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)
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 wrote:@Anonymous 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)
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.
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 !
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 |
| |
Dmessina666 | 78 |
MEMBER NAME | SCORES | RED | HIGH | DATE |
RESILIENT [1-44] | ||||
GOLD KEY WINNER |
| |||
Lulah | 37 | 0 | 37 | |
juggernaut9 | 38 | 0 | 38 | |
THE BAT |
| |||
tacpoly [EQ 8 850] | 39 | 0 | 39 | |
JWD1980 | 40 | 0 | 40 | |
Throckmorton's Wife* | 40 | ? | 40 | |
| LaHossBoss* | 43 | 0 | 41 | |
MODERATE [45-59] | ||||
| FireMedic1 | 45 | 2 | 45 | |
| PicoFico | 45 | 2 | 45 | |
| EW800 | 46 | 2 | 46 | |
| LP007 | 47 | 2 | 47 | |
| Tonya-E | 47 | 2 | 47 | |
| Thomas_Thumb | 48 | 2 | 48 | |
| jasonbourne84 | 49 | 2 | 49 | |
| Trudy | 49 | 2 | 49 | |
| sjt | 51 | 2 | 47 | |
Chris865 [OP] | 52 | 2 | 52 | |
| angelwingz | 53 | 2 | 53 | |
| KLEXH25 | 53 | 2 | 53 | |
| Credit4Growth | 54 | 2 | 54 | |
| Face_Value | 54 | 2 | 54 | |
| CassieCard | 55 | 2 | 53 | |
| LaHossBoss SO | 55 | 2 | 52 | |
| Flyingifr | 56 | 2 | 56 | |
| kilroy8 | 56 | ? | 56 | |
| TMB_ | 56 | 2 | 56 | |
| joeyv1985 | 58 | 2 | 58 | |
| sarge12 | 59 | 2 | 59 | |
SENSITIVE [60-69] | ||||
| coreysw12 | 60 | 2 | 60 | |
| CreditObsessedinFL | 60 | 2 | 56 | |
| NRB525 | 63 | 2 | 63 | |
| Remedios | 63 | 2 | 63 | |
Dogbert* | 64 | 2 | 64 | |
| OmarGB9 | 64 | 2 | 64 | |
| Revelate | 65 | 2 | 63 | |
| RehabbingANDBlabbing | 66 | 2 | 66 | |
| Birdman7 | 67 | 2 | 60 | |
| Dumbee | 68 | 2 | 56 | |
| jayk1 | 69 | ? | 69 | |
VERY SENSITIVE [70-99] | ||||
jasonbourne84's DH | 72 | 3 | 72 | |
Kenro* | 72 | ? | 72 | |
K-in-Boston* | 73 | 3 | 72 | |
GApeachy | 74 | 3 | 73 | |
CreditCuriosity* | 75 | 3 | 75 | |
Brian_Earl_Spilner* | 76 | 3 | 76 | |
GOLDEN CHALICE WINNER AND |
|
| ||
Dmessina666 | 78 | 3 | 78 |
* FORMER AWARD WINNERS * |
MEMBER NAME | AWARD | TROPHY | FOR | DATE |
Brian_Earl_Spilner | GOLDEN CHALICE |
| Lowest rating: 76 | |
Brian_Earl_Spilner | GOLDEN SWORD |
| Record Low Rating: 76 | |
CreditCuriosity | GOLDEN CHALICE |
| Lowest rating: 75 | |
Dogbert | GOLDEN CHALICE |
| Lowest rating: 76 | |
Dogbert | GOLDEN SWORD |
| Record Low Rating: 76 | |
JWD1980 | GOLD KEY |
| Highest Rating: 40 | |
K-in-Boston | GOLDEN CHALICE |
| Lowest rating: 73 | |
Kenro | GOLDEN CHALICE |
| Lowest rating: 72 | |
Kenro | GOLDEN SWORD |
| Record Low Rating: 72 | |
LaHossBoss | GOLD KEY |
| Highest rating: 41 | |
Throckmorton's Wife | GOLD KEY |
| Highest Rating: 40 |
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!
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 @Anonymous who doesn't need to update the table for me 
Total Loan Balance: $43k / $65k
Total SL: $78k
@Face_Value wrote:@Anonymous 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)
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.
@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 @Anonymous who doesn't need to update the table for me
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.