FICO Score Stress Indicators/Indexes

[Anonymous]

Moved to #826.

[joeyv1985]

Hello Cassie,

My report just came in and my stress index dropped to 56 from 60. I assume this was due to my Utilization dropping to less than 1% from about 7-8% in the prior report. I still have 2 flags though: Amount of Debt(High Installment Loans) and High % of Revolving Accounts. Oh well. 

[Anonymous]

---

@joeyv1985 wrote:

Hello Cassie,

My report just came in and my stress index dropped to 56 from 60. I assume this was due to my Utilization dropping to less than 1% from about 7-8% in the prior report. I still have 2 flags though: Amount of Debt(High Installment Loans) and High % of Revolving Accounts. Oh well. 

---

@joeyv1985: I just went UP (bad) from 53 to 56. I'll have to add yours and mine in a bit.

All I have is 4 open revolving accounts with 1 loan that closed 2 years ago. I'm always going to have "High % of revolving accounts".

[joeyv1985]

---

@Anonymous wrote:

---

@joeyv1985 wrote:

Hello Cassie,

My report just came in and my stress index dropped to 56 from 60. I assume this was due to my Utilization dropping to less than 1% from about 7-8% in the prior report. I still have 2 flags though: Amount of Debt(High Installment Loans) and High % of Revolving Accounts. Oh well. 

---

@joeyv1985: I just went UP (bad) from 53 to 56. I'll have to add yours and mine in a bit.

All I have is 4 open revolving accounts with 1 loan that closed 2 years ago. I'm always going to have "High % of revolving accounts".

---

Hello Cassie, I have 4 Credit Cards, 1 Charge Card(Amex opened 11/28), 1 Mortgage and a car loan that was just Paid In Full on 12/30/2020. The reporting for the car loan seems to lag. On my 3B  report I just received today, it shows a balance of $5331 for the Nov reporting period. December should show $1331 when the next report comes up for I made a $4K Principal only Payment in late Nov. I wonder how my next report is going to be when the AMEX reports as a new account and the car loan shows paid in full? Hope it won't be too bad. 

[Anonymous]

Going from 2-of-4 to 4-of-4 cards with a balance,

+$913 in aggregate balance to $1,571 (5%),

one card going from 4.0% to 9.0% exactly (paid down before close),

and everything else below 9% utilization.

Lost 2 points: 54 to 56.

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of January 13, 2021

Breaking News

Me and @joeyv1985 move to 56. Better for him (-4), and slightly worse (+2) for me.

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
Credit4Growth	54	2	54	07-30-2020
Face_Value	54	2	54	10-17-2020
CassieCard	56	2	53	01-11-2021
Flyingifr	56	2	56	07-21-2020
joeyv1985	56	2	56	01-13-2021
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]
coreysw12	61	2	60	11-18-2020
CreditObsessedinFL	61	2	56	12-??-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.

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of January 16, 2021

Breaking News

The Resilience Index Leaderboard is dedicated to @Adkins until she returns. Better days, Adkins. Better days! Taken by me at Odiorne Point State Park, New Hampshire, November 2019

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
Credit4Growth	54	2	54	07-30-2020
Face_Value	54	2	54	10-17-2020
CassieCard	56	2	53	01-11-2021
Flyingifr	56	2	56	07-21-2020
joeyv1985	56	2	56	01-13-2021
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]
coreysw12	61	2	60	11-18-2020
CreditObsessedinFL	61	2	56	12-??-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.

[mgood]

I think mine was 65 or 64 in the previous month. Don't remember for sure. It was 60-something though.

"High revolving account balances" are dropping like a rock. They're high from some unexpected expenses earlier this year which are being paid off pretty quickly.

I call BS on the "high installment loan balances." My lenders are apparently slow to report. There were two. One was paid off completely in November. This report is from December 28. It was a 13-month loan I paid off in 17 weeks. The other is below 30%.

[Anonymous]

---

@mgood wrote:

I think mine was 65 or 64 in the previous month. Don't remember for sure. It was 60-something though.

"High revolving account balances" are dropping like a rock. They're high from some unexpected expenses earlier this year which are being paid off pretty quickly.

I call BS on the "high installment loan balances." My lenders are apparently slow to report. There were two. One was paid off completely in November. This report is from December 28. It was a 13-month loan I paid off in 17 weeks. The other is below 30%.

---

Thanks @mgood !  #53 to contribute!

And there's a lot of 'BS' like that with this score that we've seen so far. lol

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of January 17, 2021

Breaking News

The Resilience Index Leaderboard is dedicated to @Adkins until she returns. Better days, Adkins. Better days! Taken by me at Odiorne Point State Park, New Hampshire, November 2019 @mgood joins the group with a 55 !

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
Credit4Growth	54	2	54	07-30-2020
Face_Value	54	2	54	10-17-2020
mgood	55	2	55	12-28-2020
CassieCard	56	2	53	01-11-2021
Flyingifr	56	2	56	07-21-2020
joeyv1985	56	2	56	01-13-2021
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]
coreysw12	61	2	60	11-18-2020
CreditObsessedinFL	61	2	56	12-??-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.