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Per my inquiry above, it appears that my so-so score is because of the number of open accounts that I have. Although they are almost all $0 balance, I do have quite a few open revolving accounts.
@EW800 wrote:Just thought I would share that my Resilience Index is still 46. It has been 46 every month for the last many months - hasn't changed at all.
I understand the score is sensitive to balance amounts. I am wondering if it is possible that my very low balances are actually hurting me as far as this score?
This score loves low balances - it can't be that.
I wonder how your profile compares to @tacpoly 's. She jumped up to a 39 with a very low balance and an EQ8 850. This is really the best so far, considering both scores together.
I can't get below 53, and that's probably because I just don't have enough credit history at 3 years in. That doesn't seem to be the case for you, though.
@Anonymous wrote:
@EW800 wrote:Just thought I would share that my Resilience Index is still 46. It has been 46 every month for the last many months - hasn't changed at all.
I understand the score is sensitive to balance amounts. I am wondering if it is possible that my very low balances are actually hurting me as far as this score?
This score loves low balances - it can't be that.
I wonder how your profile compares to @tacpoly 's. She jumped up to a 39 with a very low balance and an EQ8 850. This is really the best so far, considering both scores together.
I can't get below 53, and that's probably because I just don't have enough credit history at 3 years in. That doesn't seem to be the case for you, though.
@Anonymous I have a feeling number of open primary CCs may be a factor in the Resilience Index -- i.e. how much potential trouble someone can get into. I have 1 charge card and 3 credit cards.
@tacpoly wrote:@Anonymous I have a feeling number of open primary CCs may be a factor in the Resilience Index -- i.e. how much potential trouble someone can get into. I have 1 charge card and 3 credit cards.
A lot of FICO score models have the 'Too few or too many accounts' factor, so I think you're right about potential for trouble. Their profile data regression must have shown a problem with either of those.
Happy New Year!
As of 1.6.21:
Resilience Score: 47 was 51.
Red Flags: 1) Too many open credit cards and 2) High percentage of revolving credit.
EQ FICO Resilience Index
Leaderboard as of January 10, 2021 |
Breaking News |
@sjt 51 to 47.
|
General Information about this score |
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 | EQ FICO RESILIENCE INDEX | |
Adkins | 80 |
MEMBER NAME | SCORES | RED | HIGH | DATE |
RESILIENT [1-44] | ||||
GOLD KEY WINNER | ||||
mrsgrits' DH | 32 | 0 | 32 | |
LP007 | 34 | 0 | 34 | |
CreditBones | 37 | 0 | 37 | |
juggernaut9* | 37 | 0 | 37 | |
Lulah* | 37 | 0 | 37 | |
USDOD | 37 | 0 | 37 | |
THE BAT | ||||
tacpoly [EQ 8 850] | 39 | 0 | 39 | |
JWD1980* | 40 | 0 | 40 | |
Throckmorton's Wife* | 40 | ? | 40 | |
LaHossBoss SO | 44 | 0 | 44 | |
MODERATE [45-59] | ||||
FireMedic1 | 45 | 2 | 45 | |
PicoFico | 45 | 2 | 45 | |
EW800 | 46 | 2 | 46 | |
Tonya-E | 46 | 2 | 46 | |
sjt | 47 | 2 | 47 | |
LaHossBoss* | 48 | 2 | 41 | |
Thomas_Thumb | 48 | 2 | 48 | |
jasonbourne84 | 49 | 2 | 49 | |
Trudy | 49 | 2 | 49 | |
Chris865 [OP] | 52 | 2 | 52 | |
angelwingz | 53 | 2 | 53 | |
KLEXH25 | 53 | 2 | 53 | |
CassieCard | 54 | 2 | 53 | |
Credit4Growth | 54 | 2 | 54 | |
Face_Value | 54 | 2 | 54 | |
Flyingifr | 56 | 2 | 56 | |
kilroy8 | 56 | ? | 56 | |
TMB_ | 56 | 2 | 56 | |
mrsgrits | 57 | 2 | 57 | |
Bowiefan | 58 | ? | 58 | |
sarge12 | 59 | 2 | 59 | |
SENSITIVE [60-69] | ||||
joeyv1985 | 60 | 2 | 58 | |
coreysw12 | 61 | 2 | 60 | |
CreditObsessedinFL | 63 | 2 | 56 | |
NRB525 | 63 | 2 | 63 | |
Remedios | 63 | 2 | 63 | |
Dogbert* | 64 | 2 | 64 | |
OmarGB9 | 64 | 2 | 64 | |
Revelate | 65 | 2 | 63 | |
RehabbingANDBlabbing | 66 | 2 | 66 | |
thornback | 66 | 2 | 66 | |
Dumbee | 68 | 2 | 56 | |
Birdman7 | 69 | 2 | 60 | |
jayk1 | 69 | ? | 69 | |
VERY SENSITIVE [70-99] | ||||
K-in-Boston* | 70 | 3 | 70 | |
CreditCuriosity* | 72 | 3 | 72 | |
Dmessina666* | 72 | 3 | 72 | |
jasonbourne84's DH | 72 | 3 | 72 | |
Kenro* | 72 | ? | 72 | |
GApeachy | 74 | 3 | 73 | |
Brian_Earl_Spilner* | 78 | 3 | 72 | |
GOLDEN CHALICE WINNER AND | ||||
Adkins | 80 | 3 | 80 |
* FORMER AWARD WINNERS * |
MEMBER NAME | AWARD | TROPHY | FOR | DATE |
Brian_Earl_Spilner | GOLDEN CHALICE | Lowest rating: 76 | ||
Brian_Earl_Spilner | GOLDEN SWORD | Record Low Rating: 76 | ||
CreditCuriosity | GOLDEN CHALICE | Lowest rating: 75 | ||
Dmessina666 | GOLDEN CHALICE | Lowest rating: 78 | ||
Dmessina666 | GOLDEN SWORD | Record Low Rating: 78 | ||
Dogbert | GOLDEN CHALICE | Lowest rating: 76 | ||
Dogbert | GOLDEN SWORD | Record Low Rating: 76 | ||
juggernaut9 | GOLD KEY | Highest Rating: 37 | ||
JWD1980 | GOLD KEY | Highest Rating: 40 | ||
K-in-Boston | GOLDEN CHALICE | Lowest rating: 73 | ||
Kenro | GOLDEN CHALICE | Lowest rating: 72 | ||
Kenro | GOLDEN SWORD | Record Low Rating: 72 | ||
LaHossBoss | GOLD KEY | Highest rating: 41 | ||
Lulah | GOLD KEY | Highest Rating: 37 | ||
Throckmorton's Wife | GOLD KEY | Highest Rating: 40 |
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.
lol! @Anonymous
I think the decrease was the result of one revolver reporting at less than 1% on the card and overall.
Hi Cassie,
I was too busy and also too afraid to look last month (DEC) because had a 3K charge that I put on a 0 balance card and although I paid it off the next day, it still hit my report because I missed the statement date by one day I guess. I peeked just now and saw that for DECEMBER I dropped back to a 61 from a 63, same two red flags and it showed 12% up from 9% overall UTI.
Could also be that student loan servicer for my son's PPL has changed, so the loans look like they dropped off for a month. I will update for this month when the 3D comes out for me, which is on 1/17.
@CreditobsessedinFL wrote:Hi Cassie,
I was too busy and also too afraid to look last month (DEC) because had a 3K charge that I put on a 0 balance card and although I paid it off the next day, it still hit my report because I missed the statement date by one day I guess. I peeked just now and saw that for DECEMBER I dropped back to a 61 from a 63, same two red flags and it showed 12% up from 9% overall UTI.
Could also be that student loan servicer for my son's PPL has changed, so the loans look like they dropped off for a month. I will update for this month when the 3D comes out for me, which is on 1/17.
Missed the statement date? Goot gawd, man. This is paramount to our collective success. We'll never get off this island of despair if we don't all do our part.
@LP007 wrote:
@CreditobsessedinFL wrote:Hi Cassie,
I was too busy and also too afraid to look last month (DEC) because had a 3K charge that I put on a 0 balance card and although I paid it off the next day, it still hit my report because I missed the statement date by one day I guess. I peeked just now and saw that for DECEMBER I dropped back to a 61 from a 63, same two red flags and it showed 12% up from 9% overall UTI.
Could also be that student loan servicer for my son's PPL has changed, so the loans look like they dropped off for a month. I will update for this month when the 3D comes out for me, which is on 1/17.
Missed the statement date? Goot gawd, man. This is paramount to our collective success. We'll never get off this island of despair if we don't all do our part.
lol @LP007