FICO Score Stress Indicators/Indexes

[CreditCuriosity]

Pulled report today dropped from a 75 to a 72...  What has changed?  Obtained a new CC although not yet reporting .. Also more notable balance on 18.5k discover was 18k got a small cli had a balance of 4200 which I paid down to 3500.  Also NFCU CC went on a 50k limit from a 1475 balance to a 1350 balance a Personal Loan that stated out at 12kish went from 6450 to 6100ish and probably another mortgage payment and car payment.. Both Mortgage any car payments are still VERY new tradelines..  Just another DP

[Anonymous]

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@CreditCuriosity wrote:

Pulled report today dropped from a 75 to a 72...  What has changed?  Obtained a new CC although not yet reporting .. Also more notable balance on 18.5k discover was 18k got a small cli had a balance of 4200 which I paid down to 3500.  Also NFCU CC went on a 50k limit from a 1475 balance to a 1350 balance a Personal Loan that stated out at 12kish went from 6450 to 6100ish and probably another mortgage payment and car payment.. Both Mortgage any car payments are still VERY new tradelines..  Just another DP

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Thanks, @CreditCuriosity ! To the top of the 'Very Sensitive' group!

[Anonymous]

[DELETED: Moved.]

[Anonymous]

I’m back to 64 or at least I think that’s where I was before.

[Anonymous]

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@Anonymous wrote:
I’m back to 64 or at least I think that’s where I was before.

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You were at 67 on 9/29, with a high score of 60.

Since it's a new day (12:40 AM Elite Daylight Time), I'll post a new board.

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of October 20, 2020

Breaking News

@CreditCuriosity moves farther away from The Golden Chalice ! -3 points, which is A Good Thing™. 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!		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
juggernaut9	38	0	38	10-07-2020
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
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
Birdman7	64	2	60	10-20-2020
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
Dumbee	68	2	56	09-11-2020
jayk1	69	?	69	09-05-2020
VERY SENSITIVE [70-99]
CreditCuriosity*	72	3	72	10-19-2020
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
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 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!

[CreditBones]

I started the myFICO subscription in 10/01/2020.

I started with a 51 RI, and EQ655.

Most likely in November I will see a change in RI onto a more sensitive one:

• 3 HP

• A 3-new-accounts hit to the AAoA

...and a shift in red flags:

• I was approved for a SSL, and should start reporting shortly

• The high 60% of AU CC (2 Own/3 AU) changed to 4 Own/3 AU (43%)

[DW will be closing in November a CC where I am AU, so it should drop to 33% in December]

What other DP would you like me to share?

[Anonymous]

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@CreditBones wrote:

What other DP would you like me to share?

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Awesome report, @CreditBones ! I don't think there's anything left to share! haha That's great!

First time I've seen a flag about too many AU accounts. Interesting.

I'll update a new board soon.

[Anonymous]

DELETED. MOVED TO MESSAGE #709  due to 2 new reports.

[Anonymous]

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@Anonymous wrote:

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@CreditBones wrote:

What other DP would you like me to share?

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Awesome report, @CreditBones ! I don't think there's anything left to share! haha That's great!

First time I've seen a flag about too many AU accounts. Interesting.

I'll update a new board soon.

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When I first posted my SO's resiliency score, his flag was for too many AU accounts and he only has and ever had 1.