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FICO Score Stress Indicators/Indexes

Regular Contributor

Re: EQ FICO Resilience Index - November 19, 2020


@Birdman7 wrote:

@CreditBones Congratulations!


Thank you!! 😁👍🏼

Message 751 of 860
Valued Contributor

Re: EQ FICO Resilience Index - November 19, 2020


@CreditBones wrote:

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!


Sure thing! Wow, that's an incredible improvement all around!

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

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

Message 752 of 860
Valued Contributor

EQ FICO Resilience Index - December 2, 2020

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of December 2, 2020

Breaking News

 

@CreditBones moves from a 51 to 37 RESILIENT...
...and with a +118 point increase on EQ 8 !!!


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

CreditBones

37

0

37

12-01-2020

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

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: Aimee Man - "Voices Carry", LIVE at North Church in Portsmouth, NH, June 30, 2017

 

( I had just driven into Portsmouth, NH from New York City that night. I didn't even know she was going to be in Portsmouth. I got there around 11pm and missed seeing her in person. The show was supposed to be nearby in Prescott Park, but they moved inside due to rain. Like she says, it was 'hot and humid' outside.

 

I remember somehow getting a couple of pizzas from Brätskellar Pub right before they closed: Neptune (clams & shrimp) and a Pepperoni with extra cheese.)

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

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

Message 753 of 860
Senior Contributor

Re: EQ FICO Resilience Index - December 2, 2020

@CassieCard you think I should wait to purchase another report after the 24th?  I ask because there hasn't been anything new going on except on the 24th my youngest card will be 4 months old and my inqs. will have aged too.  Or should I wait a little later than that?  Whatcha think?

(the changes that have occurred are:  scores 73 to 74 then back to 73 ) (balances relatively similar, just bouncing back n forth from different cards but all basically the same cl's keeping utl. pretty much the same) 

I think I've given up trying to catch @Dmessina666 - rock on! Smiley Tongue

Message 754 of 860
Community Leader
Super Contributor

Re: EQ FICO Resilience Index - December 2, 2020


@CassieCard wrote:

 

 

I remember somehow getting a couple of pizzas from Brätskellar Pub right before they closed: Neptune (clams & shrimp) and a Pepperoni with extra cheese.)


clams & shrimp pizza?   That sounds nasty.

 

Pepperoni with extra cheese though, 👍



(12/2020)
FICO 8 (EX) 813 (TU) 808 (EQ) 797
FICO 9 (EX) 823 (TU) 821 (EQ) 825

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 755 of 860
Valued Contributor

Re: EQ FICO Resilience Index - December 2, 2020


@coldfusion wrote:

@CassieCard wrote:

I remember somehow getting a couple of pizzas from Brätskellar Pub right before they closed: Neptune (clams & shrimp) and a Pepperoni with extra cheese.)


clams & shrimp pizza?   That sounds nasty.

@coldfusion:  It's....different. My friend loves it more than I do. She would probably add bay scallops, mussels, and lobster meat to it. lol

 

 

Pepperoni with extra cheese though, 👍


Portsmouth Pizza Factory is better for this, but no clams and shrimp pizza.

Also has the NH State Liquor store and Hannaford right in the same parking lot. The 3 basic food groups!

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

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

Message 756 of 860
Community Leader
Super Contributor

Re: EQ FICO Resilience Index - December 2, 2020

I'd be up for at least trying a casserole or a stew/boullibaisse type meal with all that stuff in it, but not pizza. Yuk.

 

Hannaford's for the liquor/wine and Hannaford for the beer and mixers would work for me!



(12/2020)
FICO 8 (EX) 813 (TU) 808 (EQ) 797
FICO 9 (EX) 823 (TU) 821 (EQ) 825

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 757 of 860
Valued Contributor

Re: EQ FICO Resilience Index - December 2, 2020


@GApeachy wrote:

@CassieCard you think I should wait to purchase another report after the 24th?  I ask because there hasn't been anything new going on except on the 24th my youngest card will be 4 months old and my inqs. will have aged too.  Or should I wait a little later than that?  Whatcha think?

(the changes that have occurred are:  scores 73 to 74 then back to 73 ) (balances relatively similar, just bouncing back n forth from different cards but all basically the same cl's keeping utl. pretty much the same) 

I think I've given up trying to catch @Dmessina666 - rock on! Smiley Tongue


@GApeachy: I'd wait until balances change dramatically. Go buy something for around $13,000, let that report, and you'll RULE! haha

 

It's really all about balances. Thomas_Thumb reported losing 9 points (48 to 57) with an EQ8 of 843:

"Aggregate utilization increased from $2951 (3%) to $11,005 (13%) - excludes AU card."

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

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

Message 758 of 860
Senior Contributor

Re: EQ FICO Resilience Index - December 2, 2020


@CassieCard wrote:

Go buy something for around $13,000, let that report, and you'll RULE! haha

 


There would have to be a very sweet door prize.  Thanks though, think I'll just save my $  and wait a few months.

Message 759 of 860
Valued Contributor

Re: EQ FICO Resilience Index - December 2, 2020


@coldfusion wrote:

I'd be up for at least trying a casserole or a stew/boullibaisse type meal with all that stuff in it, but not pizza. Yuk.

 

Hannaford's for the liquor/wine and Hannaford for the beer and mixers would work for me!


@coldfusion:  You might like Fettuccine ai Frutti Di Mare ("fettuccine with fruit of the sea").

( This is a good overview: https://www.askchefdennis.com/frutti-di-mare/ )

 

Most Italian places make it with a red sauce, but I always preferred a white sauce, as shown above. It's one of my favorite dinners to make at home.

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

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

Message 760 of 860
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