FICO Score Stress Indicators/Indexes

[EW800]

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.  

[Anonymous]

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@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.

[tacpoly]

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@Anonymous wrote:

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@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.

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@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. 

[Anonymous]

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@tacpoly wrote:

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@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. 

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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.

[sjt]

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.

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of January 10, 2021

Breaking News

@sjt 51 to 47.

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
Adkins	80	12-07-2020

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
LP007	34	0	34	12-21-2020
CreditBones	37	0	37	12-01-2020
juggernaut9*	37	0	37	11-03-2020
Lulah*	37	0	37	07-24-2020
USDOD	37	0	37	12-26-2020
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	46	2	46	12-02-2020
sjt	47	2	47	01-06-2021
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
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
Bowiefan	58	?	58	01-02-2021
sarge12	59	2	59	08-24-2020
SENSITIVE [60-69]
joeyv1985	60	2	58	12-13-2020
coreysw12	61	2	60	11-18-2020
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
thornback	66	2	66	12-12-2020
Dumbee	68	2	56	09-11-2020
Birdman7	69	2	60	01-01-2021
jayk1	69	?	69	09-05-2020
VERY SENSITIVE [70-99]
K-in-Boston*	70	3	70	11-04-2020
CreditCuriosity*	72	3	72	10-19-2020
Dmessina666*	72	3	72	12-30-2020
jasonbourne84's DH	72	3	72	10-11-2020
Kenro*	72	?	72	05-03-2020
GApeachy	74	3	73	12-17-2020
Brian_Earl_Spilner*	78	3	72	12-06-2020
GOLDEN CHALICE WINNER AND KEEPER OF THE GOLDEN SWORD
Adkins	80	3	80	12-07-2020

* 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
Dmessina666	GOLDEN CHALICE		Lowest rating: 78	09-17-2020
Dmessina666	GOLDEN SWORD		Record Low Rating: 78	09-17-2020
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.

[sjt]

lol! @Anonymous 

I think the decrease was the result of one revolver reporting at less than 1% on the card and overall.

[CreditobsessedinFL]

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. 

[LP007]

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@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. 

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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. 

[Anonymous]

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@LP007 wrote:

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@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. 

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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. 

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lol @LP007