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FICO Score Stress Indicators/Indexes

LP007
Contributor

Re: EQ FICO Resilience Index - November 18, 2020

Equ F8 11_9_20.png





Message 741 of 1,053
CreditobsessedinFL
Established Contributor

Re: FICO Score Stress Indicators/Indexes


@CassieCard 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.

 

eq_resilience_index-54-11_10_2020.png


Hi @CassieCard,

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. 

Message 742 of 1,053
coreysw12
Valued Contributor

Re: FICO Score Stress Indicators/Indexes

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

    Total Loan Balance: $58k / $65k

    Total SL: $42.4k
Goal cards:



United 1K - 675,000 lifetime flight miles    |    Chase Status: 3/24
Message 743 of 1,053
CassieCard
Senior Contributor

EQ FICO Resilience Index - November 19, 2020

eq_res_logo.png

 

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!

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

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

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

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

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

juggernaut9

GOLD KEY

gold-key.png

Highest Rating: 37

11-03-2020

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

Lulah

GOLD KEY

gold-key.png

Highest Rating: 37

07-24-2020

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!

 

Meet the creator of the Resilience Index.

 

Current Theme Music: Alan Walker - Faded

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 744 of 1,053
joeyv1985
Frequent Contributor

Re: EQ FICO Resilience Index - November 19, 2020

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. 
 
Message 745 of 1,053
CassieCard
Senior Contributor

Re: EQ FICO Resilience Index - November 19, 2020


@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. 
 

@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.

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 746 of 1,053
GApeachy
Super Contributor

Re: EQ FICO Resilience Index - November 19, 2020

thank you for this fun thread.

"My Take Home Pay Don't Take Me Home"
Message 747 of 1,053
joeyv1985
Frequent Contributor

Re: EQ FICO Resilience Index - November 19, 2020

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. 

Message 748 of 1,053
CreditBones
Regular Contributor

Re: EQ FICO Resilience Index - November 19, 2020

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! 😏🤣👍🏼


54EE1C10-C14C-4803-8D47-31B4C695A6A0.jpeg

 

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).

 

@CassieCard 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!

Message 749 of 1,053
Birdman7
Super Contributor

Re: EQ FICO Resilience Index - November 19, 2020

@CreditBones Congratulations!

-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 750 of 1,053
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