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FICO Score Stress Indicators/Indexes

CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

This guy told me he created the Resilience Index. He was riding around on his scooter while eating Twinkies outside Equifax headquarters. Makes sense.

 

eq_res_death.png

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 711 of 1,053
Birdman7
Super Contributor

Re: FICO Score Stress Indicators/Indexes

Checking in with the 63
-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 712 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

MOVED TO #715.

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 713 of 1,053
juggernaut9
Established Member

Re: FICO Score Stress Indicators/Indexes

Message 714 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of November 4, 2020

Breaking News

 

tacpoly still has The Bat award for scoring a 39 with an EQ 8 850!

That's the best overall rating we've seen to date!

 

@juggernaut9 & Lulah have a Gold Key with a score of 37 !

 

Dmessina666 still holds The Golden Chalice and The Golden Sword !!!

 

General Information about this score

  • 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 WINNERS

gold-key.png

juggernaut9

37

0

37

11-03-2020

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 SO

44

0

44

10-26-2020

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

LaHossBoss*

48

2

41

10-19-2020

Thomas_Thumb

48

2

48

04-07-2020

jasonbourne84

49

2

49

10-08-2020

Trudy

49

2

49

06-12-2020

BLM11

51

2

51

10-01-2020

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

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

Birdman7

63

2

60

11-03-2020

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

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!

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 715 of 1,053
mrsgrits
Established Member

Re: FICO Score Stress Indicators/Indexes

Hey everyone. I think I missed something here. I get that that the lower the score for this, the better. I have Family FICO and I have 57 with 2 red flags. But lucky butt DH has 32 with no flags but has low scores. Again, did I miss something based on the current leaderboard?
Deleted...
Message 716 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@mrsgrits wrote:
Hey everyone. I think I missed something here. I get that that the lower the score for this, the better. I have Family FICO and I have 57 with 2 red flags. But lucky butt DH has 32 with no flags but has low scores. Again, did I miss something based on the current leaderboard?

@mrsgrits: No, you didn't miss anything. Lower is always 'better', but there's also quite a lot of people that didn't score so well that have really great credit profiles. Those are the ones in the 'Sensitive' and 'Very Sensitive' groups.

 

A person who reached the maximum on all 28 FICO scores recently lost 9 points (meaning the number went up) on this score by just letting some much higher balances than usual report this month for a utilization test.

 

32 is the best score we've seen so far! Can you post a snapshot of it? It's not necessary - I'm still going to update that board based on what you posted - but that should be recorded for posterity! haha

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 717 of 1,053
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: FICO Score Stress Indicators/Indexes


@CassieCard wrote:

@mrsgrits wrote:
Hey everyone. I think I missed something here. I get that that the lower the score for this, the better. I have Family FICO and I have 57 with 2 red flags. But lucky butt DH has 32 with no flags but has low scores. Again, did I miss something based on the current leaderboard?

@mrsgrits: No, you didn't miss anything. Lower is always 'better', but there's also quite a lot of people that didn't score so well that have really great credit profiles. Those are the ones in the 'Sensitive' and 'Very Sensitive' groups.

 

A person who reached the maximum on all 28 FICO scores recently lost 9 points (meaning the number went up) on this score by just letting some much higher balances than usual report this month for a utilization test.

 

32 is the best score we've seen so far! Can you post a snapshot of it? It's not necessary - I'm still going to update that board based on what you posted - but that should be recorded for posterity! haha


Wait a minute...you're taking their word for it, but I had to post a screenshot to take the throne? 🧐

 

Btw, I dropped to 72 after a new collection and higher utilization reported.




Message 718 of 1,053
GApeachy
Super Contributor

Re: FICO Score Stress Indicators/Indexes


@Brian_Earl_Spilner wrote:

Btw, I dropped to 72 


Mirror, Mirror on the Wall,

Who's the Most SENSITIVE of Them All?

"It's you GApeachy with your evil app'ing ways, you have no restraint and your score is cray cray!"

 

 

hahahaha!  except for @Dmessina666 (maybe...update?)

"My Take Home Pay Don't Take Me Home"
Message 719 of 1,053
GApeachy
Super Contributor

Re: FICO Score Stress Indicators/Indexes


@Brian_Earl_Spilner wrote:

after a new collection and higher utilization reported.

 

 

Okay, I found your post.  That stinks!  Sorry!!!!!

"My Take Home Pay Don't Take Me Home"
Message 720 of 1,053
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