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FICO Score Stress Indicators/Indexes

CassieCard
Senior Contributor

Re: EQ FICO Resilience Index Score Leaderboard - February 1, 2021


@Mr_Mojo_Risin wrote:

@CassieCard wrote:

@Mr_Mojo_Risin wrote:

Screenshot_20210201-165646_myFICO.jpg

 

Screenshot_20210201-170052_Chrome.jpg

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.

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 871 of 1,053
CassieCard
Senior Contributor

EQ FICO Resilience Index Leaderboard - February 3, 2021

eq_res_logo.png

 

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!

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

Bowiefan

54

?

54

02-01-2021

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

mgood

59

2

55

01-28-2021

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 872 of 1,053
Mr_Mojo_Risin
Valued Contributor

Re: EQ FICO Resilience Index Score Leaderboard - February 1, 2021


@CassieCard wrote:

@Mr_Mojo_Risin wrote:

@CassieCard wrote:

@Mr_Mojo_Risin wrote:

Screenshot_20210201-165646_myFICO.jpg

 

Screenshot_20210201-170052_Chrome.jpg

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! 

NFCU More Rewards 24K CL
NFCU Cash Rewards 4000 CL
Discover IT 1,500 CL
Quicksilver 600 CL (formerly Platinum)
NFCU auto loan
*We survived it, now comes the progress*
Previously Bowiefan
Message 873 of 1,053
Mr_Mojo_Risin
Valued Contributor

Re: EQ FICO Resilience Index Leaderboard - February 3, 2021


@CassieCard wrote:
eq_res_logo.png

 

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!

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

Bowiefan

54

?

54

02-01-2021

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

mgood

59

2

55

01-28-2021

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.


Hahaha 🤣  I love the update, too funny! 

NFCU More Rewards 24K CL
NFCU Cash Rewards 4000 CL
Discover IT 1,500 CL
Quicksilver 600 CL (formerly Platinum)
NFCU auto loan
*We survived it, now comes the progress*
Previously Bowiefan
Message 874 of 1,053
GApeachy
Super Contributor

Re: EQ FICO Resilience Index Score Leaderboard - February 1, 2021


@CassieCard 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!Smiley Wink

Btw, I'm 72 again.

"My Take Home Pay Don't Take Me Home"
Message 875 of 1,053
Mr_Mojo_Risin
Valued Contributor

Re: EQ FICO Resilience Index Score Leaderboard - February 1, 2021


@GApeachy wrote:

@CassieCard 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!Smiley Wink

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

NFCU More Rewards 24K CL
NFCU Cash Rewards 4000 CL
Discover IT 1,500 CL
Quicksilver 600 CL (formerly Platinum)
NFCU auto loan
*We survived it, now comes the progress*
Previously Bowiefan
Message 876 of 1,053
GApeachy
Super Contributor

Re: EQ FICO Resilience Index Score Leaderboard - February 1, 2021


@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!Smiley Tongue

Like your new name, pretty catchySmiley Wink

"My Take Home Pay Don't Take Me Home"
Message 877 of 1,053
CassieCard
Senior Contributor

Re: EQ FICO Resilience Index Score Leaderboard - February 1, 2021


@Mr_Mojo_Risin wrote:

@GApeachy wrote:

@CassieCard 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!Smiley Wink

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.

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 878 of 1,053
Mr_Mojo_Risin
Valued Contributor

Re: EQ FICO Resilience Index Score Leaderboard - February 1, 2021


@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!Smiley Tongue

Like your new name, pretty catchySmiley Wink


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

NFCU More Rewards 24K CL
NFCU Cash Rewards 4000 CL
Discover IT 1,500 CL
Quicksilver 600 CL (formerly Platinum)
NFCU auto loan
*We survived it, now comes the progress*
Previously Bowiefan
Message 879 of 1,053
Mr_Mojo_Risin
Valued Contributor

Re: EQ FICO Resilience Index Score Leaderboard - February 1, 2021


@CassieCard wrote:

@Mr_Mojo_Risin wrote:

@GApeachy wrote:

@CassieCard 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!Smiley Wink

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 🤘

NFCU More Rewards 24K CL
NFCU Cash Rewards 4000 CL
Discover IT 1,500 CL
Quicksilver 600 CL (formerly Platinum)
NFCU auto loan
*We survived it, now comes the progress*
Previously Bowiefan
Message 880 of 1,053
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