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FICO Score Stress Indicators/Indexes

Birdman7
Super Contributor

Re: EQ FICO Resilience Index Leaderboard - January 17, 2021

@CassieCard awesome picture!

-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 831 of 1,053
mgood
Frequent Contributor

Re: EQ FICO Resilience Index Leaderboard - January 16, 2021


@mgood wrote:

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

 


And just for the DP, I had a 30-day late that dropped off. That was a red flag last time and probably the main reason it dropped from 60-something to 55.


GOAL:

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 738, TU8 757, EX8 748
Goal Score: EQ8 780, TU8 780, EX8 780


Take the myFICO Fitness Challenge
Message 832 of 1,053
Bankrupt2019
Established Contributor

Re: EQ FICO Resilience Index Leaderboard - January 16, 2021

A9AB52BA-750A-4D5B-A196-C4F774392A02.jpeg

 









Message 833 of 1,053
CassieCard
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - January 17, 2021


@Birdman7 wrote:

@CassieCard awesome picture!


Completely by accident! It felt like -30° on the beach that day in November! I'm surprised it didn't come out blurry from shaking.

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 (59 People!)

Message 834 of 1,053
CassieCard
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - January 16, 2021


@Bankrupt2019 wrote:

A9AB52BA-750A-4D5B-A196-C4F774392A02.jpeg

 


Thank you @Bankrupt2019 !

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 (59 People!)

Message 835 of 1,053
Bankrupt2019
Established Contributor

Re: EQ FICO Resilience Index Leaderboard - January 16, 2021


@CassieCard wrote:

@Bankrupt2019 wrote:

A9AB52BA-750A-4D5B-A196-C4F774392A02.jpeg

 


Thank you @Bankrupt2019 !


Thanks for letting me play lol, do I need to submit more Info or just that?  Just seemed fun haha (god I hate how much I love this stuff)









Message 836 of 1,053
CassieCard
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - January 16, 2021


@Bankrupt2019 wrote:

@CassieCard wrote:

@Bankrupt2019 wrote:

A9AB52BA-750A-4D5B-A196-C4F774392A02.jpeg

 


Thank you @Bankrupt2019 !


Thanks for letting me play lol, do I need to submit more Info or just that?  Just seemed fun haha (god I hate how much I love this stuff)


Oh no, that's fine!

 

EQ 8 score and total balance reporting can help to narrow down some things, but whatever you want to provide is just fine.

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 (59 People!)

Message 837 of 1,053
Bankrupt2019
Established Contributor

Re: EQ FICO Resilience Index Leaderboard - January 16, 2021


@CassieCard wrote:

@Bankrupt2019 wrote:

@CassieCard wrote:

@Bankrupt2019 wrote:

A9AB52BA-750A-4D5B-A196-C4F774392A02.jpeg

 


Thank you @Bankrupt2019 !


Thanks for letting me play lol, do I need to submit more Info or just that?  Just seemed fun haha (god I hate how much I love this stuff)


Oh no, that's fine!

 

EQ 8 score and total balance reporting can help to narrow down some things, but whatever you want to provide is just fine.


Eq8 689  

total balance $3915

(Should be under $1000 when things update in a few days) so maybe I'll have some changes Smiley Happy









Message 838 of 1,053
CassieCard
Senior Contributor

EQ FICO Resilience Index Leaderboard - January 18, 2021

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of January 18, 2021

Breaking News

 

The Resilience Index Leaderboard is dedicated to @Adkins until she returns.

 

Better days, Adkins. Better days!

a_new_day.png

Taken by me at Odiorne Point State Park, New Hampshire, November 2019

 

@mgood joins the group with a 55 !

 

@Bankrupt2019  joins the group with a 46 !

 

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

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

gold-key.png

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

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

Bankrupt2019

46

2

46

12-29-2020

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

golden-chalice.png

golden-sword.png

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

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

Dmessina666

GOLDEN CHALICE

golden-chalice.png

Lowest rating: 78

09-17-2020

Dmessina666

GOLDEN SWORD

golden-sword.png

Record Low Rating: 78

09-17-2020

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.

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 (59 People!)

Message 839 of 1,053
mgood
Frequent Contributor

Re: EQ FICO Resilience Index Leaderboard - January 16, 2021


@CassieCard wrote:

EQ 8 score and total balance reporting can help to narrow down some things, but whatever you want to provide is just fine.


From my 12/28 3B report:
Equifax FICO 8 696

I don't see a place to get total balance from that report. Just going through the open accounts and adding the balance shown in the Equifax column, I get $6626.


GOAL:

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 738, TU8 757, EX8 748
Goal Score: EQ8 780, TU8 780, EX8 780


Take the myFICO Fitness Challenge
Message 840 of 1,053
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