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FICO Score Stress Indicators/Indexes

CassieCard
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - February 19, 2021


@CreditAggie wrote:

@CassieCard wrote:

I saw that it was one of your goal cards. Consider it 'Approved' whenever you want it!


I am planning that app next month! I just got my Costco membership and am loving it. 


Well then here's something you need to try....that 4lbs of Kirkland Organic Ground Beef 85/15 that comes in 3 square packs of 1.34lbs each, all attached together.

 

We always got the regular Costco ground beef in 6-7lb packages at $3.99 a pound. I got that organic beef one day because they were all out of the regular. Tacos, meatballs, and cheeseburgers all tasted a LOT better! Quite amazing at $4.99 a pound for the organic.

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 911 of 1,053
CreditAggie
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - February 19, 2021


@CassieCard wrote:

@CreditAggie wrote:

@CassieCard wrote:

I saw that it was one of your goal cards. Consider it 'Approved' whenever you want it!


I am planning that app next month! I just got my Costco membership and am loving it. 


Well then here's something you need to try....that 4lbs of Kirkland Organic Ground Beef 85/15 that comes in 3 square packs of 1.34lbs each, all attached together.

 

We always got the regular Costco ground beef in 6-7lb packages at $3.99 a pound. I got that organic beef one day because they were all out of the regular. Tacos, meatballs, and cheeseburgers all tasted a LOT better! Quite amazing at $4.99 a pound for the organic.


My parents have been making tacos with it and I think it is the best ground beef you can get for the quality and price!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 912 of 1,053
Birdman7
Super Contributor

Re: EQ FICO Resilience Index Leaderboard - February 19, 2021

Checking in with a 65
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 913 of 1,053
GApeachy
Super Contributor

Re: EQ FICO Resilience Index Leaderboard - February 19, 2021


@Birdman7 wrote:
Checking in with a 65

Show off😋

"My Take Home Pay Don't Take Me Home"
Message 914 of 1,053
Birdman7
Super Contributor

Re: EQ FICO Resilience Index Leaderboard - February 19, 2021

actually my flags have changed. Amount of debt and high loan balance.
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 915 of 1,053
CassieCard
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - February 19, 2021


@Birdman7 wrote:
Checking in with a 65

Read my mind....lol

 

I saw the updated score when I generated the new scoreboard (check your email) and was going to ask you to make a new post so I could link to it from the table.

 

Quite a lot of plus signs for you this month!

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 916 of 1,053
Birdman7
Super Contributor

Re: EQ FICO Resilience Index Leaderboard - February 19, 2021

@CassieCard Yes brought down number of accounts with a balance is I think what accounted for most of it. And thank you very much!! As an aside, we may be able to nail down those thresholds now that we know it includes closed accounts on EX2! 😉
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 917 of 1,053
CassieCard
Senior Contributor

EQ FICO Resilience Index Leaderboard - February 20, 2021

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of February 20, 2021

Breaking News


NASA's Mars Helicopter - named Ingenuity - Reports In
after landing on Thursday with the Perseverance rover.

 

  • Welcome @CreditAggie , #55 on the list with a score of 56!
  • @Birdman7  sees improvement from 69 to 65.
  • 6 people have a score of 56 making it the most reported number (mode in math)

General Information about this score

  • Top 10 Questions About the FICO® Resilience Index  myFICO Blog Post
  • 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

02-11-2021

CreditAggie

56

2

56

02-20-2021

Flyingifr

56

2

56

07-21-2020

joeyv1985

56

2

56

02-13-2021

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

Birdman7

65

2

60

02-20-2021

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

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 918 of 1,053
mgood
Frequent Contributor

Re: EQ FICO Resilience Index Leaderboard

res score 02-27.png

 

EQ8 730

Total balances $4381

Oldest account (on Eq) since July 2014


GOAL:

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 738, TU8 757, EX8 748
Goal Score: EQ8 780, TU8 780, EX8 780


Take the myFICO Fitness Challenge
Message 919 of 1,053
CassieCard
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard


@mgood wrote:

res score 02-27.png

 

EQ8 730

Total balances $4381

Oldest account (on Eq) since July 2014


Cool - I don't even have to cut and paste the row...just change 59 to 58. lol

 

I checked your last update from the table link and you just went from $5574 to $4381 for aggregate balance.

Maybe crossing $5000 gave you an extra point. I really don't know for sure, but it's one of the aggregate balance thresholds that FICO asks about in their Score Estimator (not Simulator).

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 920 of 1,053
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