FICO Score Stress Indicators/Indexes

[LP007]

[CreditobsessedinFL]

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@Anonymous wrote:

I paid $743 (or $1,423 or $2,103) for 1 point on the Resilience Index.

New aggregate balance of $680 on 2 of 4 cards, coming from $1,423 last month on the other 2 cards.

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Hi @Anonymous,

I forgot to write last month, my score was unchanged at 62 with the same two flags, high loans and high credit balances. This month, I had an increase of $368 on my total balances (8% overall) and I went to a 63 with the same two flags. I will pay it down in the interim and see if I can get to a 61 or lower by next month. I also will close my Credit One ($0/600) finally and see if that has a positive or negative impact overall. 

[coreysw12]

Mine went up yesterday, from 60 to now 61. Probably because I opened a 3rd car loan last week

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of November 19, 2020

Breaking News

@LP007 moves into the Resilient Club with a 38 ! (And EQ8 760 too!) A new record for best score: mrsgrits DH with a 32 !!! 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! 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!		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
mrsgrits' DH	32	0	32	11-01-2020
juggernaut9*	37	0	37	11-03-2020
Lulah*	37	0	37	07-24-2020
LP007	38	0	38	11-09-2020
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 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
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
CassieCard	54	2	53	11-10-2020
Credit4Growth	54	2	54	07-30-2020
Face_Value	54	2	54	10-17-2020
Flyingifr	56	2	56	07-21-2020
kilroy8	56	?	56	06-11-2020
TMB_	56	2	56	06-01-2020
mrsgrits	57	2	57	11-06-2020
sarge12	59	2	59	08-24-2020
SENSITIVE [60-69]
joeyv1985	60	2	58	11-13-2020
coreysw12	61	2	60	11-18-2020
Birdman7	63	2	60	11-03-2020
CreditObsessedinFL	63	2	56	11-18-2020
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]
K-in-Boston*	70	3	70	11-04-2020
Brian_Earl_Spilner*	72	3	72	11-08-2020
CreditCuriosity*	72	3	72	10-19-2020
jasonbourne84's DH	72	3	72	10-11-2020
Kenro*	72	?	72	05-03-2020
GApeachy	73	3	73	11-15-2020
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
juggernaut9	GOLD KEY		Highest Rating: 37	11-03-2020
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
Lulah	GOLD KEY		Highest Rating: 37	07-24-2020
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!

Meet the creator of the Resilience Index.

Current Theme Music: Alan Walker - Faded

[joeyv1985]

Cassie/All,

I posted on another board and no one responded. Maybe someone in this thread can advise. 

All,

I saw this on the Amex Website. About a year ago I had a baddy fall off my report. Are they referencing that? I can't find it on any other website or on annualcreditreport.com. Should I be concerned? There's no sign of any derogatory remarks on my 3B Monthly reports from myFico as well.

1) Time since derogatory public record or collection is too short

The presence of a derogatory public record(such as a bankruptcy or tax lien) or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO Score. 

[Anonymous]

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@joeyv1985 wrote:

Cassie/All,

I posted on another board and no one responded. Maybe someone in this thread can advise. 

All,

I saw this on the Amex Website. About a year ago I had a baddy fall off my report. Are they referencing that? I can't find it on any other website or on annualcreditreport.com. Should I be concerned? There's no sign of any derogatory remarks on my 3B Monthly reports from myFico as well.

1) Time since derogatory public record or collection is too short

The presence of a derogatory public record(such as a bankruptcy or tax lien) or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO Score. 

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@joeyv1985: Is this from your AMEX EX 8 report, or is it from the AMEX myCreditGuide TU VS3 report?

Are you saying that you pulled all 3 bureaus on annualcreditreport.com and there are no derogatories listed anywhere?

That reason statement suggests something new just popped up somewhere. There is actually a service sold by these bureaus that will alert creditors when someone's score rises to some decent level, when they think it's more likely they can get paid for something years old. It might not even be your fault either. It could be some doctor's office error or similar.

[GApeachy]

thank you for this fun thread.

[joeyv1985]

Hello Cassie,

It was the Experian Fico 8 score on Amex's website/app. They did an Experian HP when I applied. With that said, I went to annualcreditreport.com and downloaded just the Experian report and nothing showed up. As mentioned, my last baddie fell off my about a year ago and that's when my scores really took off. Nothing shows up on Credit Karma, myFICO, Experian.com or any other website so I can't figure out for the life of me why that showed up on Amex's website. Quite frankly, it's made me a little uncomfortable. Akin to paying your dues and being reminded of your past deeds. 

[CreditBones]

Hello y'all!!! December's report came thick and full of updates! One of them is my Resilience Index. Here is my post on this thread about my Resilience Index (Oct 25) 

1. The two Red flags are gone!!! ٩( ᐛ )و 

2. There is zero ref flags for new accounts, or HP, or hit to AAoA... NOTHING! 🍾 

3. Resilience Index upgraded to the next bracket, and now I am Resilient! 😏🤣👍🏼

And, allow me please, to flash my new and improved EQ8 Score!!! (((773))) A whopping increase of (((118 pts.))) over the Oct-Nov flat line of 655.

I am beyond stoked!!!

Things that helped the score and RI:

- New Card / $5k SL / $0 Util

- New Disco it / $5k SL / $0 Util

- New NFCU SSL / $5k - 5yrs / 3.9% Util

- None of the HP were from EQ. NFCU SSL and Card went through with SP.

- Credit mix: 6 CC / 1 open IL / 2 closed auto loans.

- Dropped as AU from 2 out of 3 cards

- From 60% of AU accounts (3 of 5), dropped to 17% (1 of 6).

@Anonymous I changed screen name recently, I was BLM11. Could you please update it on your Resilience Index table along my updated Resilience Index? Thank you!

[Anonymous]

@CreditBones Congratulations!