FICO Score Stress Indicators/Indexes

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of February 6, 2021

Breaking News

We are about to land a small SUV on Mars and then fly a helicopter off it. 1.68 million miles from Mars at 48,619 miles per hour [2/6 16:58 UTC]  Landing on February 18, 2021 @ 18:55 UTC

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
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
Mr_Mojo_Risin	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
GApeachy	72	3	72	02-06-2021
jasonbourne84's DH	72	3	72	10-11-2020
Kenro*	72	?	72	05-03-2020
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.

[GApeachy]

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@Mr_Mojo_Risin wrote:

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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

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Yep yep again! Luv me some Doors t

Hey @Anonymous what do you reckon will happen when I refi my heloc vs. converting it to a personal loan?  Can't decide which way to go as far as fico scoring would be concerned.

I don't have an open personal loan, have plenty of revolving. I do have a couple of pd off personal loans and I think they'll be on my cr maybe another couple of years perhaps.  So would it be better for me to convert instead of refi and pickup some pts. having an open pl?

Shoot!  eta: also meant as far as this resilience score too.

[Anonymous]

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@GApeachy wrote:

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Hey @Anonymous what do you reckon will happen when I refi my heloc vs. converting it to a personal loan?  Can't decide which way to go as far as fico scoring would be concerned.

I don't have an open personal loan, have plenty of revolving. I do have a couple of pd off personal loans and I think they'll be on my cr maybe another couple of years perhaps.  So would it be better for me to convert instead of refi and pickup some pts. having an open pl?

Shoot!  eta: also meant as far as this resilience score too.

---

Go with the one that saves you the most money. Let FICO complain about 'lack of recent installment loan activity' because it really doesn't mean much.

Once you get a new PL they're just gonna complain about having one. lol 'High installment loan balances', until it's less than 9.5% of the loan amount, at which point you get a nice score boost.

[sjt]

I wonder if my score will go up if I pay off my auto loan. Currently, I'm at 47 for two reasons, available credit and the number of open revolvers.

[Anonymous]

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@sjt wrote:

I wonder if my score will go up if I pay off my auto loan. Currently, I'm at 47 for two reasons, available credit and the number of open revolvers.

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I mean, you'd think it would, right? Lower balance, less debt, A Good Thing™.

I just don't know for sure if the lower debt would outweigh the hit on credit mix, but I think it would and I'd pay off the loan anyway.

[GApeachy]

@Anonymous <9.5% ?  Lol, forget that.  Thx!

[Anonymous]

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@GApeachy wrote:

@Anonymous <9.5% ?  Lol, forget that.  Thx!

---

Yep, it's not <8.99% which was common advice on these forums for years.

I thought it seemed reasonable but I still tested it myself and found you can go right up to 9.49 without triggering a jump to the next higher 10%+ interval that can cause point loss.

And then I just asked, and got an answer from FICO's Principal Scientist that confirms it: This post.

[Tonya-E]

Apparently I am now resilient....no idea what happened. My previous factors were high installment loan due and too many open credit cards. Now I have no red flags. I have the same amount of credit cards and the same payment amount on my installment loans (same amount of loans). I have had one change of paying my student loan down to 87%. My credit card balance is consistently $25-100 on one card reporting. I'm wondering if it was just time...

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of February 10, 2021

Breaking News

We are about to land a small SUV on Mars and then fly a helicopter off it. 1.11 million miles from Mars at 48,246 miles per hour [2/10 23:46 UTC]  Landing on February 18, 2021 @ 18:55 UTC @Tonya-E moves from Moderate to Resilient with little change in profile data!

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
Tonya-E	43	0	43	02-10-2021
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
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
Mr_Mojo_Risin	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
GApeachy	72	3	72	02-06-2021
jasonbourne84's DH	72	3	72	10-11-2020
Kenro*	72	?	72	05-03-2020
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]

My own update for February. Still no change, even with an increase of $236 for aggregate balance reporting. I went from $1,571 to $1,807 and kept the same 56 score with same 2 red flags. Same 4-of-4 cards reporting a balance with the same 0 scorable inquiries at EQ.

EQ8 at 746 with 4-of-4 cards reporting a balance at or under 9%. I don't wanna see my AZEO scores because I know it's a big boost on my scorecard and I'll get obsessive about keeping it there.