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FICO Score Stress Indicators/Indexes

Birdman7
Super Contributor

Re: EQ FICO Resilience Index - December 2, 2020


@CassieCard wrote:

@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.


@CassieCard you are making me hungry!

-Scoring wisdom: General Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
CassieCard’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 761 of 1,094
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

My own boring update for December.

 

I lost -7 to as much as -23 across five EQ/TU 8 scores at AoOA 3yr 0mo this month, but the Resilience Index score was unaffected - same as last month, same 2 flags.

(AoOA 3yr 0mo is a known threshold on the 8's that frequently causes large drops with hardly any changes in profile data.)

 

December 11, 2020 @ AoOA 3yr 0mo.December 11, 2020 @ AoOA 3yr 0mo.

Message 762 of 1,094
Birdman7
Super Contributor

Re: FICO Score Stress Indicators/Indexes


@CassieCard wrote:

My own boring update for December.

 

I lost -7 to as much as -23 across five EQ/TU 8 scores at AoOA 3yr 0mo this month, but the Resilience Index score was unaffected - same as last month, same 2 flags.

(AoOA 3yr 0mo is a known threshold on the 8's that frequently causes large drops with hardly any changes in profile data.)

 

December 11, 2020 @ AoOA 3yr 0mo.December 11, 2020 @ AoOA 3yr 0mo.


@CassieCard well, now you make me wonder if there are scorecards in the Resilience Score? If there are, I suppose 3 years is not a threshold. 

you should be pretty proud of the fact that you only lost points on 5 scores. And, you know you'll likely recover that deficit when you hit reassignment, maybe turn them into surpluses! 😉 Can't wait to see the changes!

-Scoring wisdom: General Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
CassieCard’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 763 of 1,094
M_Smart007
Epic Contributor

Re: FICO Score Stress Indicators/Indexes

One for @CassieCard smiley-laughing021.gif

 

Message 764 of 1,094
coldfusion
Community Leader
Super Contributor

Re: EQ FICO Resilience Index - December 2, 2020


@CassieCard wrote:

@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.


Either way works, although I lean toward preferring white sauces with seafood.

 

Except when it comes to clam chowder.  Manhattan style does not make the grade.



(4/2021)
FICO 8 (EX) 815 (TU) 822 (EQ) 808
FICO 9 (EX) 827 (TU) 826 (EQ) 832

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 765 of 1,094
joeyv1985
Frequent Contributor

Re: FICO Score Stress Indicators/Indexes

My score just came in. Stuck at 60

Message 766 of 1,094
Tonya-E
Established Contributor

Re: EQ FICO Resilience Index - December 2, 2020

Went down 1 pt. this month from 47 to 46.  I still have the same 2 negatives of: 

1) Too many credit cards

2) High installment loans FDE4D990-0CC7-44CA-92B8-6FC1E68C8428.jpeg

 

Wallet: Amex BCP-45k| Barclays Rewards MC-26.3k| Citi Thank You Preferred-27.5k| Citi Double Cash-14k| Target MC-11.5k| Walmart MC-7.5k| Chase Freedom Unlimited Signature-6k


Take the myFICO Fitness Challenge
Message 767 of 1,094
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@M_Smart007 wrote:

One for @CassieCard smiley-laughing021.gif

 


@M_Smart007: I respect the skill. lol

Message 768 of 1,094
CassieCard
Senior Contributor

Re: Resources FICO Resilience Index Your resilience index is 44, a Resilient rating. You have No re

@USDOD: Welcome to myFICO Forums!

 

It takes about a week to get a CAC (lol) around here so you can post images. Really based on number of posts, so could be shorter.

 

I'm going to add your name and score to the table anyway. Nice 44!

Message 769 of 1,094
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of December 14, 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!

 

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

USDOD

44

0

44

12-13-2020

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

46

2

46

12-02-2020

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

12-11-2020

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

12-13-2020

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.

Message 770 of 1,094
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