FICO Score Stress Indicators/Indexes

[joeyv1985]

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@sarge12 wrote:

It is ironic that the very actions that we have used to get 800+ scores, made us less resilient. Opening many cards with high limits, keeping utilization low. That gets me dinged for too many revolving accounts, to many balances on revolvers or whatever it said. Seems they did this new score just to knock us in the 800 club off our high horses. We learned to play their game, so now they create a new game with different rules. Aint that cheating?

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I agree Sarge. 

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of Monday, March 15, 2021

Breaking News

Welcome @SecretAzure ! 56th to join! How to obtain this score: See #10 in this myFICO blog post.

General Information about this score

New score factor information from FICO dated December 2020. 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. 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 WINNERS
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
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]
FiresOut	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
CassieCard	53	2	53	03-11-2021
KLEXH25	53	2	53	07-26-2020
Credit4Growth	54	2	54	07-30-2020
Face_Value	54	2	54	10-17-2020
Mr_Mojo_Risin	54	2	54	03-05-2021
CreditAggie	56	2	56	03-05-2021
Flyingifr	56	2	56	07-21-2020
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	58	2	58	03-09-2021
SENSITIVE [60-69]
joeyv1985	60	2	56	03-13-2021
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
SecretAzure	64	2	64	03-15-2021
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
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.

[CreditCuriosity]

Dropped to 68 pulled report a few weeks ago as going through mortgage sure it will plummit shortly as my house is paid off while i await my new house to be built so be renting for awhile so a huge asset or liability is off my reports or will be shown paid off in a few weeks be interesting to see what that does to it.  Actually from a report I pulled form 2/22/21 just looked at that..  Mortgage score at time was 775 and regular ficos around 800 or higher depending on model

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of Sunday, March 21, 2021

Breaking News

@CreditCuriosity leaves the infamous Very Sensitive group! How to obtain this score: See #10 in this myFICO blog post.

General Information about this score

New score factor information from FICO dated December 2020. 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. 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 WINNERS
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
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]
FiresOut	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
CassieCard	53	2	53	03-11-2021
KLEXH25	53	2	53	07-26-2020
Credit4Growth	54	2	54	07-30-2020
Face_Value	54	2	54	10-17-2020
Mr_Mojo_Risin	54	2	54	03-05-2021
CreditAggie	56	2	56	03-05-2021
Flyingifr	56	2	56	07-21-2020
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	58	2	58	03-09-2021
SENSITIVE [60-69]
joeyv1985	60	2	56	03-13-2021
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
SecretAzure	64	2	64	03-15-2021
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
CreditCuriosity*	68	3	68	02-22-2021
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
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.

[nwa479]

Please add me to the list.   My resilience index is 49 with two red flags listed both under credit mix. 

1) High percentage of revolving accounts

2) Too many open credit cards. 

EQ score F8 is at 718.  

[Anonymous]

I climbed to 59!  I bought a truck... 

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of Wednesday, March 24, 2021

Breaking News

Welcome @nwa479 ! 57th to join! @Anonymous got a new truck and EQ-FRI didn't like it!?! Especially Querulous FICO Resilience Index! How to obtain this score: See #10 in this myFICO blog post.

General Information about this score

New score factor information from FICO dated December 2020. 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. 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 WINNERS
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
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]
FiresOut	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
nwa479	49	2	49	03-24-2021
Trudy	49	2	49	06-12-2020
angelwingz	53	2	53	04-09-2020
CassieCard	53	2	53	03-11-2021
KLEXH25	53	2	53	07-26-2020
Credit4Growth	54	2	54	07-30-2020
Face_Value	54	2	54	10-17-2020
Mr_Mojo_Risin	54	2	54	03-05-2021
CreditAggie	56	2	56	03-05-2021
Flyingifr	56	2	56	07-21-2020
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	58	2	58	03-09-2021
Chris865 [OP]	59	2	52	03-24-2021
SENSITIVE [60-69]
joeyv1985	60	2	56	03-13-2021
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
SecretAzure	64	2	64	03-15-2021
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
CreditCuriosity*	68	3	68	02-22-2021
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
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.

[CreditAggie]

My Citi Costco just reported and none of my FICO 8 scores changed. I'm still interested to see how the Resilience Index will change with two new cards reporting. 

[Anonymous]

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@CreditAggie wrote:

My Citi Costco just reported and none of my FICO 8 scores changed. I'm still interested to see how the Resilience Index will change with two new cards reporting. 

---

@CreditAggie: Congratulations on getting that card! I just read your approval thread and noticed from your signature aging metrics that you're right around where I was when I got the card - even a similar EX F8 score! They double-pulled EQ/EX for me since it was one of my first 2 revolving accounts, and there were none on file at the time I applied online.

Also, I recently found out that, for me, Citi has been doing soft pull account reviews at all 3 CRAs on a regular basis. I saw them all on the full credit reports from annualcreditreport.com. I like that they do that! It just shows I'm using all 4 of my cards on a regular basis.

My approval was for $6500 (EX 748, no revolving accounts, 1 SSL on file, 1yr0mo credit file history), and then the next 2 SP CLIs at 6 month intervals were for $2500 each. The next 2 after that were for $1500 each, bringing the total cl to $14,500 at 2yr3mo since approval.

I think you'll see a pair of $2500 SP CLIs - or better - over the next year!

Waving the card to pay works at the gas pumps! That wasn't active for a while after I got the card, but I've been using it that way for months now. I've kept my Costco membership card in a drawer at home the whole time I've had this card.

I think you might lose at most 1-2 points when the new cards show up. My first EQ RES score was 53 with 1 recently approved card already on file with the other 2 (3 cards total). When AMEX finally showed up I lost 2 points with a 55 (4 cards on file), but I also had some accounts with balance changes too.

[CreditAggie]

---

@Anonymous wrote:

---

@CreditAggie wrote:

My Citi Costco just reported and none of my FICO 8 scores changed. I'm still interested to see how the Resilience Index will change with two new cards reporting. 

---

@CreditAggie: Congratulations on getting that card! I just read your approval thread and noticed from your signature aging metrics that you're right around where I was when I got the card - even a similar EX F8 score! They double-pulled EQ/EX for me since it was one of my first 2 revolving accounts, and there were none on file at the time I applied online.

Also, I recently found out that, for me, Citi has been doing soft pull account reviews at all 3 CRAs on a regular basis. I saw them all on the full credit reports from annualcreditreport.com. I like that they do that! It just shows I'm using all 4 of my cards on a regular basis.

My approval was for $6500 (EX 748, no revolving accounts, 1 SSL on file, 1yr0mo credit file history), and then the next 2 SP CLIs at 6 month intervals were for $2500 each. The next 2 after that were for $1500 each, bringing the total cl to $14,500 at 2yr3mo since approval.

I think you'll see a pair of $2500 SP CLIs - or better - over the next year!

Waving the card to pay works at the gas pumps! That wasn't active for a while after I got the card, but I've been using it that way for months now. I've kept my Costco membership card in a drawer at home the whole time I've had this card.

I think you might lose at most 1-2 points when the new cards show up. My first EQ RES score was 53 with 1 recently approved card already on file with the other 2 (3 cards total). When AMEX finally showed up I lost 2 points with a 55 (4 cards on file), but I also had some accounts with balance changes too.

---

Thank you for the information! I love how tapping the Citi card at the gas pump picks up both payment and membership in the same tap. 

So it looks like my EQ Resilience Index might drop to a 57 or 58. One thing to note that seems to affect that score is the presence of installments, of which I have none. It looks like your file has one installment and 4 revolvers. Mine will have 5 revolvers. I'll be looking out for that with my next 3B pull.