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FICO Score Stress Indicators/Indexes

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Moderator

Re: FICO Score Stress Indicators/Indexes

Pulled report today dropped from a 75 to a 72...  What has changed?  Obtained a new CC although not yet reporting Smiley Happy.. 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

Message 691 of 744
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Valued Contributor

Re: FICO Score Stress Indicators/Indexes


@CreditCuriosity wrote:

Pulled report today dropped from a 75 to a 72...  What has changed?  Obtained a new CC although not yet reporting Smiley Happy.. 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


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

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 692 of 744
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Valued Contributor

Re: FICO Score Stress Indicators/Indexes

[DELETED: Moved.]

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 693 of 744
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Super Contributor

Re: FICO Score Stress Indicators/Indexes

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

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. 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 694 of 744
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Valued Contributor

Re: FICO Score Stress Indicators/Indexes


@Birdman7 wrote:
I’m back to 64 or at least I think that’s where I was before.

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.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 695 of 744
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Valued Contributor

Re: FICO Score Stress Indicators/Indexes

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!

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

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

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!

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 696 of 744
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Regular Contributor

Re: FICO Score Stress Indicators/Indexes

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

 

I started with a 51 RI, and EQ655.

586AE361-27FF-418F-A537-2160C5FFFDDD.jpeg11628227-586C-46BD-BD3D-779C63FA8FC2.jpeg347DE62B-44F7-4580-8B59-63E76633F7DF.jpeg5FC5AA3E-A198-4317-892E-0A0DDDA8E18C.jpeg4B843736-AB36-42B3-8B7B-BFAF0D85843D.jpeg95ABA62D-CE3C-4BE1-B6F2-4470BE223DDC.jpegCEA843F4-D51B-47F2-8637-A546E3471413.jpeg3235C8D4-291E-4946-916D-971419B0A7DF.jpeg

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?

Message 697 of 744
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Valued Contributor

Re: FICO Score Stress Indicators/Indexes


@CreditBones wrote:

What other DP would you like me to share?


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.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 698 of 744
Valued Contributor

Re: FICO Score Stress Indicators/Indexes

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

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

48 forum members have shared this new credit score. Share yours today!

Message 699 of 744
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Valued Contributor

Re: FICO Score Stress Indicators/Indexes


@CassieCard wrote:

@CreditBones wrote:

What other DP would you like me to share?


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.


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.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 11•20 | EQ [F8 599] [F9 653] [EQ5 645] [VS3 645] | TU [F8 598] [F9 552] [TU4 563] [VS3 627] | EX [F8 584] [F9 573] [EX2 614] [VS3 631]
Goal Score: 680


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 11•20 | EQ [F8 612] [F9 540] [EQ5 599] [VS3 556] | TU [F8 635] [F9 587] [TU4 608] [VS3 655] [VS4 634] | EX [F8 654] [F9 614] [EX2 634] [VS3 657]
Goal Score: 680


Take the myFICO Fitness Challenge



Message 700 of 744
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