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FICO Score Stress Indicators/Indexes

CassieCard
Senior Contributor

EQ FICO Resilience Index Leaderboard - February 27, 2021

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of February 27, 2021

Breaking News


High definition video of the landing on Mars!

YouTube link. That's a first!

 

  • @mgood-1 from 59 to 58 with lowered balances. (<$5000 did it?)
  • 6 people have a score of 56 making it the most reported number (mode in math).
  • 5 people have a score of 72 - 2nd most reported number.

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

58

2

55

02-27-2021

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 921 of 1,053
joeyv1985
Frequent Contributor

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


@Birdman7 wrote:

@joeyv1985 wrote:

@Birdman7 wrote:

@joeyv1985 wrote:

@Birdman7 wrote:

@joeyv1985 wrote:

Hello Cassie,

 

My monthly score came in and it's holding steady at 56 with 2 flags. My FICO 8 scores are the highest they've ever been, EQ 777/TU 797/EX 788. My car was PIF in December, but the balance still shows a balance akin to 1 payment. Compared with a balance of over $5K from the previous reporting period, I thought that would have dropped my score down to at least 54 or so. Maybe I need to pay more of my Mortgage principal to really make a dent in my Resilience score. Oh well. 


@joeyv1985 I think it's more concerned with the amount of the payment and monthly obligation than it is the total amount still remaining due on the loan. I'll bet your resilience score goes down meaning better, when that car loan reports closed. 


Hmmmm. Would it be a double edged sword t when the car loan shows closed on the report? Meaning car PIF thus dropping Resiliency Score however FICO's take a bit of hit because my credit mix loses one intallment loan, although I still have the mortgage. 


@joeyv1985 if the car loan were your only loan, your analysis would be spot on. However because you have a mortgage you may not see much of a drop on your 8/9. Your aggregate loan utilization won't change much since there's only one payment remaining. 

 

we know mortgage loans are tracked separately and satisfy a mix type, but I would definitely like to know the results of what happens, if you would be kind enough to report back. it will be interesting to know if the different loan utilizations are kept separate or if it's based on the combination. Do you have anything else reporting around that time? someone else may already know the answer. 

 

You'll probably see an increase on your mortgage scores due to one less account with a balance, tho!

 

Edit: @joeyv1985 Closed loans still contribute to credit mix. The point change usually comes from the loan balance & utilization going to 0%.


Hello Birdman, 

 

I'll be more than happy to report back my results a month from now. By then I can only assume, the Car loan will have reported Paid In Full and if there's a fallout, hopefully not, it won't be as catastrophic. As far as any new reporting is concerned, the only thing I can think of is an inquiry falling off. Between my 3B report in Jan and the one that just reported here in Feb, 3 inquiries fell off the report leaving me with 3. Of the 3 remaining, 1 more should fall off on my next 3B report in March which will leave me with just 2. The said inquiries were last year. Also, on the Feb 3B report, 2 CC's crossed the 1 year mark since I opened them. I should have another one reporting it's 1 year anniversary on the next report. Other than that, I can't think of anything else material enough to impact my scores. I'm currently in a gardening mode, so there's nothing pressing as far as new accounts are concerned. Just keeping my spending in check, aging my accounts and requesting a CL increase here and there. 


@joeyv1985 if that is your youngest Revolver reaching one year, that will result in Scorecard reassignment on 8/9, probably giving you some points. I don't know what effect it will have on the resiliency score, but it will be interesting to find out, so that will be mixed in with the loan closing, so it will be hard to differentiate since it will be conflated, unfortunately. 

nevertheless will look forward to your report, there's no telling what we may be able to learn!


Hello Birdman, 

My auto loan finally reported paid in full and my Fico 8's, as expected, took a hit of anywhere between 8-19pts. Bummer. Howevever, the scores are still in the 770-780 range, so I'm not too worried. Any idea, how long before my scores start moving up from this event? Mortgate is still open and my credit utilization remains below 2%. My CU was roughly in that area when my auto loan reported.

Message 922 of 1,053
Birdman7
Super Contributor

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


@joeyv1985 wrote:

@Birdman7 wrote:

@joeyv1985 wrote:

@Birdman7 wrote:

@joeyv1985 wrote:

@Birdman7 wrote:

@joeyv1985 wrote:

Hello Cassie,

 

My monthly score came in and it's holding steady at 56 with 2 flags. My FICO 8 scores are the highest they've ever been, EQ 777/TU 797/EX 788. My car was PIF in December, but the balance still shows a balance akin to 1 payment. Compared with a balance of over $5K from the previous reporting period, I thought that would have dropped my score down to at least 54 or so. Maybe I need to pay more of my Mortgage principal to really make a dent in my Resilience score. Oh well. 


@joeyv1985 I think it's more concerned with the amount of the payment and monthly obligation than it is the total amount still remaining due on the loan. I'll bet your resilience score goes down meaning better, when that car loan reports closed. 


Hmmmm. Would it be a double edged sword t when the car loan shows closed on the report? Meaning car PIF thus dropping Resiliency Score however FICO's take a bit of hit because my credit mix loses one intallment loan, although I still have the mortgage. 


@joeyv1985 if the car loan were your only loan, your analysis would be spot on. However because you have a mortgage you may not see much of a drop on your 8/9. Your aggregate loan utilization won't change much since there's only one payment remaining. 

 

we know mortgage loans are tracked separately and satisfy a mix type, but I would definitely like to know the results of what happens, if you would be kind enough to report back. it will be interesting to know if the different loan utilizations are kept separate or if it's based on the combination. Do you have anything else reporting around that time? someone else may already know the answer. 

 

You'll probably see an increase on your mortgage scores due to one less account with a balance, tho!

 

Edit: @joeyv1985 Closed loans still contribute to credit mix. The point change usually comes from the loan balance & utilization going to 0%.


Hello Birdman, 

 

I'll be more than happy to report back my results a month from now. By then I can only assume, the Car loan will have reported Paid In Full and if there's a fallout, hopefully not, it won't be as catastrophic. As far as any new reporting is concerned, the only thing I can think of is an inquiry falling off. Between my 3B report in Jan and the one that just reported here in Feb, 3 inquiries fell off the report leaving me with 3. Of the 3 remaining, 1 more should fall off on my next 3B report in March which will leave me with just 2. The said inquiries were last year. Also, on the Feb 3B report, 2 CC's crossed the 1 year mark since I opened them. I should have another one reporting it's 1 year anniversary on the next report. Other than that, I can't think of anything else material enough to impact my scores. I'm currently in a gardening mode, so there's nothing pressing as far as new accounts are concerned. Just keeping my spending in check, aging my accounts and requesting a CL increase here and there. 


@joeyv1985 if that is your youngest Revolver reaching one year, that will result in Scorecard reassignment on 8/9, probably giving you some points. I don't know what effect it will have on the resiliency score, but it will be interesting to find out, so that will be mixed in with the loan closing, so it will be hard to differentiate since it will be conflated, unfortunately. 

nevertheless will look forward to your report, there's no telling what we may be able to learn!


Hello Birdman, 

My auto loan finally reported paid in full and my Fico 8's, as expected, took a hit of anywhere between 8-19pts. Bummer. Howevever, the scores are still in the 770-780 range, so I'm not too worried. Any idea, how long before my scores start moving up from this event? Mortgate is still open and my credit utilization remains below 2%. My CU was roughly in that area when my auto loan reported.


@joeyv1985 what is your mortgage B/L at? That's interesting, depending on the mortgage B/L. Well from my viewpoint, you were receiving extra points, bonus points if you will, for having your only non-mortgage loan in optimal utilization range. You won't get those points again until you're in that scenario again. I am assuming that was your only non-mortgage loan and that you only have one mortgage?

but your scores are great and will continue to increase with age anyway, so they will still increase, it just won't be from that particular reason. 


what effect did it have on the resiliency score?

-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 923 of 1,053
joeyv1985
Frequent Contributor

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


@Birdman7 wrote:

@joeyv1985 wrote:

@Birdman7 wrote:

@joeyv1985 wrote:

@Birdman7 wrote:

@joeyv1985 wrote:

@Birdman7 wrote:

@joeyv1985 wrote:

Hello Cassie,

 

My monthly score came in and it's holding steady at 56 with 2 flags. My FICO 8 scores are the highest they've ever been, EQ 777/TU 797/EX 788. My car was PIF in December, but the balance still shows a balance akin to 1 payment. Compared with a balance of over $5K from the previous reporting period, I thought that would have dropped my score down to at least 54 or so. Maybe I need to pay more of my Mortgage principal to really make a dent in my Resilience score. Oh well. 


@joeyv1985 I think it's more concerned with the amount of the payment and monthly obligation than it is the total amount still remaining due on the loan. I'll bet your resilience score goes down meaning better, when that car loan reports closed. 


Hmmmm. Would it be a double edged sword t when the car loan shows closed on the report? Meaning car PIF thus dropping Resiliency Score however FICO's take a bit of hit because my credit mix loses one intallment loan, although I still have the mortgage. 


@joeyv1985 if the car loan were your only loan, your analysis would be spot on. However because you have a mortgage you may not see much of a drop on your 8/9. Your aggregate loan utilization won't change much since there's only one payment remaining. 

 

we know mortgage loans are tracked separately and satisfy a mix type, but I would definitely like to know the results of what happens, if you would be kind enough to report back. it will be interesting to know if the different loan utilizations are kept separate or if it's based on the combination. Do you have anything else reporting around that time? someone else may already know the answer. 

 

You'll probably see an increase on your mortgage scores due to one less account with a balance, tho!

 

Edit: @joeyv1985 Closed loans still contribute to credit mix. The point change usually comes from the loan balance & utilization going to 0%.


Hello Birdman, 

 

I'll be more than happy to report back my results a month from now. By then I can only assume, the Car loan will have reported Paid In Full and if there's a fallout, hopefully not, it won't be as catastrophic. As far as any new reporting is concerned, the only thing I can think of is an inquiry falling off. Between my 3B report in Jan and the one that just reported here in Feb, 3 inquiries fell off the report leaving me with 3. Of the 3 remaining, 1 more should fall off on my next 3B report in March which will leave me with just 2. The said inquiries were last year. Also, on the Feb 3B report, 2 CC's crossed the 1 year mark since I opened them. I should have another one reporting it's 1 year anniversary on the next report. Other than that, I can't think of anything else material enough to impact my scores. I'm currently in a gardening mode, so there's nothing pressing as far as new accounts are concerned. Just keeping my spending in check, aging my accounts and requesting a CL increase here and there. 


@joeyv1985 if that is your youngest Revolver reaching one year, that will result in Scorecard reassignment on 8/9, probably giving you some points. I don't know what effect it will have on the resiliency score, but it will be interesting to find out, so that will be mixed in with the loan closing, so it will be hard to differentiate since it will be conflated, unfortunately. 

nevertheless will look forward to your report, there's no telling what we may be able to learn!


Hello Birdman, 

My auto loan finally reported paid in full and my Fico 8's, as expected, took a hit of anywhere between 8-19pts. Bummer. Howevever, the scores are still in the 770-780 range, so I'm not too worried. Any idea, how long before my scores start moving up from this event? Mortgate is still open and my credit utilization remains below 2%. My CU was roughly in that area when my auto loan reported.


@joeyv1985 what is your mortgage B/L at? That's interesting, depending on the mortgage B/L. Well from my viewpoint, you were receiving extra points, bonus points if you will, for having your only non-mortgage loan in optimal utilization range. You won't get those points again until you're in that scenario again. I am assuming that was your only non-mortgage loan and that you only have one mortgage?

but your scores are great and will continue to increase with age anyway, so they will still increase, it just won't be from that particular reason. 


what effect did it have on the resiliency score?


Hello Birdman, 

 

Couple of things, my resiliency score doesn't report until 3/13, so when that happens, I'll let you know. As far as my mortgage is concerned, I took out the loan in May of 2019, so I've barely made a dent on the balance. I've probably paid about 4% of the balance. However, since the car loan is out of the way and I have no major bills to pay other than utilities and revolving credit, I plan on paying chunks of my mortgage balance as the year progresses. Hope this helps. 

Message 924 of 1,053
juggernaut9
Established Member

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

This is interesting. I know the two are not tied to each other, but I wish my FICO scores would increase as my resiliency score decreases. 

 

@CassieCard 

9C3B1DFE-6133-4358-A73F-2CBC3B51712F.png

 

Message 925 of 1,053
LaHossBoss
Valued Contributor

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


@juggernaut9 wrote:

This is interesting. I know the two are not tied to each other, but I wish my FICO scores would increase as my resiliency score decreases. 

 

@CassieCard 

9C3B1DFE-6133-4358-A73F-2CBC3B51712F.png

 


Nice!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 645] [EQ5 678] [VS3 630] | TU [F8 713] [F9 684] [TU4 721] [VS3 639] | EX [F8 640] [F9 651] [EX2 655] [VS3 625]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 655] [F9 620] [EQ5 677] [VS3 627] | TU [F8 685] [F9 658] [TU4 639] [VS3 625] [VS4 666] | EX [F8 691] [F9 684] [EX2 658] [VS3 642]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 926 of 1,053
LaHossBoss
Valued Contributor

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

@CassieCard 

 

For Feb 3B pull, I am back down to 45, *almost* resilient again lol

 

My 2 flags are "high installment loan balances" and "missed payments"

 

For SO, he is down to 40, with no flags this time. I am convinced they do not give flags, just like with 800+ scores they do not give negative reason codes (correct me if I am wrong). Because as soon as me or my SO are outside the "resilient" range, we get 2 flags, with no changes in installment loan balances or number of missed payments. In fact, now both have gone *down* significantly (number of missed payments and installment loan balances - for the time being lol)!

 

Me: 2/2021Me: 2/2021

 

SO: 2/2021SO: 2/2021

 




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 645] [EQ5 678] [VS3 630] | TU [F8 713] [F9 684] [TU4 721] [VS3 639] | EX [F8 640] [F9 651] [EX2 655] [VS3 625]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 655] [F9 620] [EQ5 677] [VS3 627] | TU [F8 685] [F9 658] [TU4 639] [VS3 625] [VS4 666] | EX [F8 691] [F9 684] [EX2 658] [VS3 642]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 927 of 1,053
Mr_Mojo_Risin
Valued Contributor

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


@juggernaut9 wrote:

This is interesting. I know the two are not tied to each other, but I wish my FICO scores would increase as my resiliency score decreases. 

 

@CassieCard 

9C3B1DFE-6133-4358-A73F-2CBC3B51712F.png

 


Looks like we might have a new leader! You are certainly resilient 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 928 of 1,053
Mr_Mojo_Risin
Valued Contributor

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


@LaHossBoss wrote:

@CassieCard 

 

For Feb 3B pull, I am back down to 45, *almost* resilient again lol

 

My 2 flags are "high installment loan balances" and "missed payments"

 

For SO, he is down to 40, with no flags this time. I am convinced they do not give flags, just like with 800+ scores they do not give negative reason codes (correct me if I am wrong). Because as soon as me or my SO are outside the "resilient" range, we get 2 flags, with no changes in installment loan balances or number of missed payments. In fact, now both have gone *down* significantly (number of missed payments and installment loan balances - for the time being lol)!

 

Me: 2/2021Me: 2/2021

 

SO: 2/2021SO: 2/2021

 


You and SO are looking really good! 

I'm trying to get to the 40's! 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 929 of 1,053
CassieCard
Senior Contributor

EQ FICO Resilience Index Leaderboard - March 3, 2021

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of March 3, 2021

Breaking News

 

New Gold Key Winner! @juggernaut9 with a 32 !

2nd time winning the Gold Key!

 

  • @LaHossBoss and LaHossBoss's SO moving up together.
  • 6 people have a score of 56 making it the most reported number (mode in math).
  • 5 people have a score of 72 - 2nd most reported number.

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 WINNERS

gold-key.png

juggernaut9*

32

0

32

03-03-2021

mrsgrits' DH

32

0

32

11-01-2020

LP007

34

0

34

12-21-2020

CreditBones

37

0

37

12-01-2020

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

LaHossBoss SO

40

0

40

02-26-2021

Throckmorton's Wife*

40

?

40

05-07-2020

Tonya-E

43

0

43

02-10-2021

MODERATE [45-59]

FireMedic1

45

2

45

06-05-2020

LaHossBoss*

45

2

41

02-24-2021

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

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

58

2

55

02-27-2021

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!)

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