@Mr_Mojo_Risin wrote:
@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
@Mr_Mojo_Risin: Oh we're good with 4 cards - it's not complaining about that number. It's just that most of our accounts are revolving.
Since the vast majority of people have an average of 4 cards (according to Experian's yearly review), I would think a single auto loan or mortgage would be satisfactory. 4 + 1 auto loan seems like it would be the most common out there.
EQ FICO Resilience Index
Leaderboard as of February 3, 2021 |
Breaking News |
We are about to land a small SUV on Mars and then fly a helicopter off it. See where Perseverance & Ingenuity are right now.
@Mr_Mojo_Risin from 58 to 54 with way too many credit cards!(lol 4, me too)
|
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 | |
| Bowiefan | 54 | ? | 54 | |
| 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 | |
| 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.
@Anonymous wrote:
@Mr_Mojo_Risin wrote:
@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
@Mr_Mojo_Risin: Oh we're good with 4 cards - it's not complaining about that number. It's just that most of our accounts are revolving.
Since the vast majority of people have an average of 4 cards (according to Experian's yearly review), I would think a single auto loan or mortgage would be satisfactory. 4 + 1 auto loan seems like it would be the most common out there.
Sounds good! Thank you for your input!
@Anonymous wrote:
EQ FICO Resilience Index
Leaderboard as of February 3, 2021
Breaking News
We are about to land a small SUV on Mars and then fly a helicopter off it.
See where Perseverance & Ingenuity are right now.
@Mr_Mojo_Risin from 58 to 54 with way too many credit cards!(lol 4, me too)
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
MEMBER NAME
* denotes former award winner
see bottom of postSCORES
RED
FLAGSHIGH
SCOREDATE
Click for Individual Profile DataRESILIENT [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
Bowiefan 54
?
54
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
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
KEEPER OF THE GOLDEN SWORD
Adkins
80
3
80
* FORMER AWARD WINNERS *
MEMBER NAME
AWARD
TROPHY
FOR
DATE
Click for Individual Profile DataBrian_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.
Hahaha 🤣 I love the update, too funny!
@Anonymous wrote:
It's just that most of our accounts are revolving.
Ohhhhhh, learned something new....I thought the same thing as @Mr_Mojo_Risin "too many cards". (I do have too many though)
Thx Cassie!
Btw, I'm 72 again.
@GApeachy wrote:
@Anonymous wrote:
It's just that most of our accounts are revolving.
Ohhhhhh, learned something new....I thought the same thing as @Mr_Mojo_Risin "too many cards". (I do have too many though)
Thx Cassie!
Btw, I'm 72 again.
Yeah I learn something new everyday I'm on these forums! This FICO stuff is enough to drive you crazy! Lol
BTW I've always loved that quote in your bio. That there is some real deal truth! Lol
@Mr_Mojo_Risin wrote:Yeah I learn something new everyday I'm on these forums! This FICO stuff is enough to drive you crazy! Lol
BTW I've always loved that quote in your bio. That there is some real deal truth! Lol
Ain't it!
Like your new name, pretty catchy
@Mr_Mojo_Risin wrote:
@GApeachy wrote:
@Anonymous wrote:
It's just that most of our accounts are revolving.
Ohhhhhh, learned something new....I thought the same thing as @Mr_Mojo_Risin "too many cards". (I do have too many though)
Thx Cassie!
Btw, I'm 72 again.
Yeah I learn something new everyday I'm on these forums! This FICO stuff is enough to drive you crazy! Lol
BTW I've always loved that quote in your bio. That there is some real deal truth! Lol
Bowie to Morrison....ok. I can dig it.
@GApeachy wrote:
@Mr_Mojo_Risin wrote:Yeah I learn something new everyday I'm on these forums! This FICO stuff is enough to drive you crazy! Lol
BTW I've always loved that quote in your bio. That there is some real deal truth! Lol
Ain't it!
Like your new name, pretty catchy
Haha thanks. The name is an anagram of the singer Jim Morrison from the band The Doors. Always been a fan and think the name is pretty cool! Lol
@Anonymous wrote:
@Mr_Mojo_Risin wrote:
@GApeachy wrote:
@Anonymous wrote:
It's just that most of our accounts are revolving.
Ohhhhhh, learned something new....I thought the same thing as @Mr_Mojo_Risin "too many cards". (I do have too many though)
Thx Cassie!
Btw, I'm 72 again.
Yeah I learn something new everyday I'm on these forums! This FICO stuff is enough to drive you crazy! Lol
BTW I've always loved that quote in your bio. That there is some real deal truth! Lol
Bowie to Morrison....ok. I can dig it.
Yep, I'm a sucker for some classic rock! Lol 🤘