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FICO Score Stress Indicators/Indexes

CassieCard
Senior Contributor

EQ FICO Resilience Index Leaderboard - February 6, 2021

eq_res_logo.png

 

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!

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

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

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 881 of 1,053
GApeachy
Super Contributor

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


@Mr_Mojo_Risin wrote:


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


Yep yep again! Luv me some Doors tHeartHeart

 

Hey @CassieCard 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.

"My Take Home Pay Don't Take Me Home"
Message 882 of 1,053
CassieCard
Senior Contributor

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


@GApeachy wrote:

Hey @CassieCard 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.

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 883 of 1,053
sjt
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - February 6, 2021

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.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 884 of 1,053
CassieCard
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - February 6, 2021


@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.


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.

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 885 of 1,053
GApeachy
Super Contributor

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

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

"My Take Home Pay Don't Take Me Home"
Message 886 of 1,053
CassieCard
Senior Contributor

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


@GApeachy wrote:

@CassieCard <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.

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 887 of 1,053
Tonya-E
Established Contributor

Re: EQ FICO Resilience Index Leaderboard - February 6, 2021

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...D9C45B9C-9653-4549-869B-0D7FAABC8B67.jpeg

 

 

Wallet: Amex BCP-39k| Barclays Rewards MC-26.3k| Citi Thank You Preferred-27.5k| Citi Double Cash-14k| Target MC-11k| Walmart MC-7.5k| Chase Freedom Unlimited Signature-6k


Take the myFICO Fitness Challenge
Message 888 of 1,053
CassieCard
Senior Contributor

EQ FICO Resilience Index Leaderboard - February 10, 2021

eq_res_logo.png

 

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!

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

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

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 889 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes

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.

 

eq_fico_resilience_index_february_2021.png

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 890 of 1,053
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