I just got my March 3B pull and my score (56) and red flags remain the same. It will be interesting to see what happens to the score and red flags when my two new cards start reporting.
Just pulled my 3B report and I'm still ridin 54 with the same 2 red flags.
1. High installment balance
2. High percentage of revolving accounts. Uh yeah 4 but Ok.
Here's something more recent from FICO about what it takes to be 'Resilient'.
We've got actual numbers now for inquiries, balances, and number of active accounts in the past year.
Credit Mix surprised me: they're looking for at least half of all tradelines to be installment loans such as mortgage, auto, and personal.
I'm going to be reporting $912 in total balances this month, down from $1807 last month. Guess I should have paid down another $13 to be below $900 according to this graphic. Too late for this month, but it's a good reference point slightly above $900.
Full paper is here: https://www.fico.com/en/resource-access/download/13846
The paper also shows an example use of a dual-matrix, combining the index score with an Auto 8 score to compute an offset.
@Anonymous wrote:Here's something more recent from FICO about what it takes to be 'Resilient'.
We've got actual numbers now for inquiries, balances, and number of active accounts in the past year.
Credit Mix surprised me: they're looking for at least half of all tradelines to be installment loans such as mortgage, auto, and personal.
I'm going to be reporting $912 in total balances this month, down from $1807 last month. Guess I should have paid down another $13 to be below $900 according to this graphic. Too late for this month, but it's a good reference point slightly above $900.
Full paper is here: https://www.fico.com/en/resource-access/download/13846
The paper also shows an example use of a dual-matrix, combining the index score with an Auto 8 score to compute an offset.
Looks like I need to add a few more installment tradelines to even out my massive revolving profile 😆
Seriously though this is very informative and appreciate your contributions.
EQ FICO Resilience Index
Leaderboard as of Sunday, March 7, 2021 |
Breaking News |
New in-depth information about this score from FICO.
New Gold Key Winner! @juggernaut9 with a 32 ! 2nd time winning the Gold Key!
|
General Information about this score |
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 |
| EQ FICO RESILIENCE INDEX |
Adkins | 80 |
MEMBER NAME | SCORES | RED | HIGH | DATE |
RESILIENT [1-44] | ||||
GOLD KEY WINNERS |
| |||
juggernaut9* | 32 | 0 | 32 | |
mrsgrits' DH | 32 | 0 | 32 | |
| LP007 | 34 | 0 | 34 | |
| CreditBones | 37 | 0 | 37 | |
Lulah* | 37 | 0 | 37 | |
| USDOD | 37 | 0 | 37 | |
THE BAT |
| |||
tacpoly [EQ 8 850] | 39 | 0 | 39 | |
JWD1980* | 40 | 0 | 40 | |
| LaHossBoss SO | 40 | 0 | 40 | |
Throckmorton's Wife* | 40 | ? | 40 | |
| Tonya-E | 43 | 0 | 43 | |
MODERATE [45-59] | ||||
| FireMedic1 | 45 | 2 | 45 | |
| LaHossBoss* | 45 | 2 | 41 | |
| PicoFico | 45 | 2 | 45 | |
| Bankrupt2019 | 46 | 2 | 46 | |
| EW800 | 46 | 2 | 46 | |
| sjt | 47 | 2 | 47 | |
| Thomas_Thumb | 48 | 2 | 48 | |
| jasonbourne84 | 49 | 2 | 49 | |
| Trudy | 49 | 2 | 49 | |
Chris865 [OP] | 52 | 2 | 52 | |
| angelwingz | 53 | 2 | 53 | |
| KLEXH25 | 53 | 2 | 53 | |
| Mr_Mojo_Risin | 54 | ? | 54 | |
| Credit4Growth | 54 | 2 | 54 | |
| Face_Value | 54 | 2 | 54 | |
| CassieCard | 56 | 2 | 53 | |
| CreditAggie | 56 | 2 | 56 | |
| Flyingifr | 56 | 2 | 56 | |
| joeyv1985 | 56 | 2 | 56 | |
| kilroy8 | 56 | ? | 56 | |
| TMB_ | 56 | 2 | 56 | |
| mrsgrits | 57 | 2 | 57 | |
| mgood | 58 | 2 | 55 | |
| sarge12 | 59 | 2 | 59 | |
SENSITIVE [60-69] | ||||
| coreysw12 | 61 | 2 | 60 | |
| CreditObsessedinFL | 61 | 2 | 56 | |
| NRB525 | 63 | 2 | 63 | |
| Remedios | 63 | 2 | 63 | |
Dogbert* | 64 | 2 | 64 | |
| OmarGB9 | 64 | 2 | 64 | |
| Birdman7 | 65 | 2 | 60 | |
| Revelate | 65 | 2 | 63 | |
| RehabbingANDBlabbing | 66 | 2 | 66 | |
| thornback | 66 | 2 | 66 | |
| Dumbee | 68 | 2 | 56 | |
| jayk1 | 69 | ? | 69 | |
VERY SENSITIVE [70-99] | ||||
K-in-Boston* | 70 | 3 | 70 | |
CreditCuriosity* | 72 | 3 | 72 | |
Dmessina666* | 72 | 3 | 72 | |
GApeachy | 72 | 3 | 72 | |
jasonbourne84's DH | 72 | 3 | 72 | |
Kenro* | 72 | ? | 72 | |
Brian_Earl_Spilner* | 78 | 3 | 72 | |
GOLDEN CHALICE WINNER AND |
|
| ||
Adkins | 80 | 3 | 80 |
* FORMER AWARD WINNERS * |
MEMBER NAME | AWARD | TROPHY | FOR | DATE |
Brian_Earl_Spilner | GOLDEN CHALICE |
| Lowest rating: 76 | |
Brian_Earl_Spilner | GOLDEN SWORD |
| Record Low Rating: 76 | |
CreditCuriosity | GOLDEN CHALICE |
| Lowest rating: 75 | |
Dmessina666 | GOLDEN CHALICE |
| Lowest rating: 78 | |
Dmessina666 | GOLDEN SWORD |
| Record Low Rating: 78 | |
Dogbert | GOLDEN CHALICE |
| Lowest rating: 76 | |
Dogbert | GOLDEN SWORD |
| Record Low Rating: 76 | |
juggernaut9 | GOLD KEY |
| Highest Rating: 37 | |
JWD1980 | GOLD KEY |
| Highest Rating: 40 | |
K-in-Boston | GOLDEN CHALICE |
| Lowest rating: 73 | |
Kenro | GOLDEN CHALICE |
| Lowest rating: 72 | |
Kenro | GOLDEN SWORD |
| Record Low Rating: 72 | |
LaHossBoss | GOLD KEY |
| Highest rating: 41 | |
Lulah | GOLD KEY |
| Highest Rating: 37 | |
Throckmorton's Wife | GOLD KEY |
| Highest Rating: 40 |
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 OK, finally have some new data with a 1 point change to the resilience index score.
@sarge12 wrote:@Anonymous OK, finally have some new data with a 1 point change to the resilience index score.
Welcome back, @sarge12 !
So you go from 59 to 58 and I don't even have to move the row in the table. That's ok...us Moderates aren't so bad, even if the Very Sensitive crowd has all the fun and fast cars.