New 3B report today.
EQ8 713
Total balances $5574
Oldest account (on Eq) since July 2014
So, my Eq 8 went up from 696 to 713, my balances went down from $6626 to $5574. My two flags are high revolving account balances and high installment loan balances, even though I owe less on both of those now than I did a month ago, both in raw numbers and in percent of available credit. But my number went from 55 to 59? (ALL my scores are up from last month, all three CRAs, FICO 8, and all the Auto scores. That's what I checked first because I'm about to finance a car. ALL up, but I go from a 55 to 59?)
One loan I paid off in November finally reported closed. I know that's a bit of a negative, but it was one of those hideous CF loans we were talking about earlier. And I opened a couple of new credit cards and other nefarious credit-seeking activity.
EQ8 780, TU8 748, EX8 771 as of January 9
EQ FICO Resilience Index
Leaderboard as of February 1, 2021 |
Breaking News |
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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 | |
| Bankrupt2019 | 46 | 2 | 46 | |
| 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 | |
| Credit4Growth | 54 | 2 | 54 | |
| Face_Value | 54 | 2 | 54 | |
| CassieCard | 56 | 2 | 53 | |
| Flyingifr | 56 | 2 | 56 | |
| joeyv1985 | 56 | 2 | 56 | |
| kilroy8 | 56 | ? | 56 | |
| TMB_ | 56 | 2 | 56 | |
| mrsgrits | 57 | 2 | 57 | |
| Bowiefan | 58 | ? | 58 | |
| mgood | 59 | 2 | 55 | |
| sarge12 | 59 | 2 | 59 | |
SENSITIVE [60-69] | ||||
| coreysw12 | 61 | 2 | 60 | |
| CreditObsessedinFL | 61 | 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.
@Remedios wrote:I don't feel particularly sensitive.
It is so not me
Well, on that note, I do feel pretty resilient. Thus I will leave you all to go and shop for bedroom furniture.
I gained 4 from last month. Same 2 red flags. High installment balance and credit mix. They say I have to many revolvers, I have 4 CC's and 1 installment loan. Idk, 4:1 ratio doesn't seem to bad to me. Lol
@Mr_Mojo_Risin wrote:
I gained 4 from last month. Same 2 red flags. High installment balance and credit mix. They say I have to many revolvers, I have 4 CC's and 1 installment loan. Idk, 4:1 ratio doesn't seem to bad to me. Lol
Is it "High Percentage of revolving accounts" or something direct about too many card/revolving accounts?
I have the high percentage of revolving accounts with 4 cards and 1 closed loan. 5 total accounts on my file.
@Anonymous wrote:
@Mr_Mojo_Risin wrote:
I gained 4 from last month. Same 2 red flags. High installment balance and credit mix. They say I have to many revolvers, I have 4 CC's and 1 installment loan. Idk, 4:1 ratio doesn't seem to bad to me. Lol
Is it "High Percentage of revolving accounts" or something direct about too many card/revolving accounts?
I have the high percentage of revolving accounts with 4 cards and 1 closed loan. 5 total accounts on my file.
Yes, it says high percentage of revolving accounts. I thought I had a low amount of CC accounts.
Compared to most on these forums I almost have no credit! Lol