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FICO Score Stress Indicators/Indexes

sarge12
Valued Contributor

Re: EQ FICO Resilience Index Leaderboard - Sunday, March 21, 2021


@Chris865 wrote:

I climbed to 59!  I bought a truck... Smiley Very Happy


Thank you for bumping me off the bottom of the moderate catagory. Enjoy the new truck.

TU fico08=842 05/20/21
EX fico08=830 06/04/21
EQ fico09=835 06/01/21
EX fico09=824 05/05/21
EQ fico bankcard08=856 05/25/21
TU Fico Bankcard 08=881 05/23/21
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 981 of 1,094
mgood
Frequent Contributor

Re: EQ FICO Resilience Index Leaderboard

res score 03-28.png

 

EQ8 731

Total balances $2838

Oldest account (on Eq) since July 2014


GOAL:

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 776, TU8 777, EX8 770
Goal Score: EQ8 780, TU8 780, EX8 780


Take the myFICO Fitness Challenge
Message 982 of 1,094
Anonymous
Not applicable

EQ FICO Resilience Index Leaderboard - Monday, March 29, 2021

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of Monday, March 29, 2021

Breaking News

 

@mgood up to 56 from 58.


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!

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]

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

mgood

56

2

55

03-28-2021

TMB_

56

2

56

06-01-2020

mrsgrits

57

2

57

11-06-2020

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

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.

Message 983 of 1,094
Mr_Mojo_Risin
Valued Contributor

Re: EQ FICO Resilience Index Leaderboard - Monday, March 29, 2021

Screenshot_20210403-154345_Chrome.jpg

Well this is a temperamental algorithm.

I gave back the 4 points I gained last month. Same 2 red flags.

1. High installment balance 

2. Credit mix 

The only thing that changed was a double payment made on my auto loan 🤷‍♂️

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
NFCU auto loan
Message 984 of 1,094
Anonymous
Not applicable

Re: EQ FICO Resilience Index Leaderboard - Monday, March 29, 2021


@Mr_Mojo_Risin wrote:

 

Well this is a temperamental algorithm.

I gave back the 4 points I gained last month. Same 2 red flags.

1. High installment balance 

2. Credit mix 

The only thing that changed was a double payment made on my auto loan 🤷‍♂️


Double payments?!?!?! EQ-FRI now thinks you're going crazy and lowered your score....lol

 

I think I'm about to join you at 58...letting 4-of-4 report a total aggregate balance of $1971 this month, up from 3-of-4 at $912.

She's on the way to a BK! Slash everything!

Message 985 of 1,094
Anonymous
Not applicable

EQ FICO Resilience Index Leaderboard - Sunday, April 4, 2021

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of Sunday, April 4, 2021

Breaking News

 

 @Mr_Mojo_Risin going to 58 with an extra auto loan payment!(?)

.oO (EQ-FRI code feels threatened by autonomous vehicles.)


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!

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]

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

CreditAggie

56

2

56

03-05-2021

Flyingifr

56

2

56

07-21-2020

kilroy8

56

?

56

06-11-2020

mgood

56

2

55

03-28-2021

TMB_

56

2

56

06-01-2020

mrsgrits

57

2

57

11-06-2020

Mr_Mojo_Risin

58

2

54

04-03-2021

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

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.

Message 986 of 1,094
Mr_Mojo_Risin
Valued Contributor

Re: EQ FICO Resilience Index Leaderboard - Monday, March 29, 2021


@Anonymous wrote:

@Mr_Mojo_Risin wrote:

 

Well this is a temperamental algorithm.

I gave back the 4 points I gained last month. Same 2 red flags.

1. High installment balance 

2. Credit mix 

The only thing that changed was a double payment made on my auto loan 🤷‍♂️


Double payments?!?!?! EQ-FRI now thinks you're going crazy and lowered your score....lol

 

I think I'm about to join you at 58...letting 4-of-4 report a total aggregate balance of $1971 this month, up from 3-of-4 at $912.

She's on the way to a BK! Slash everything!


4-of-4 reporting?! Noooo! The sky is falling! Lol   Some of this scoring can be silly sometimes. 

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
NFCU auto loan
Message 987 of 1,094
CreditAggie
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - Sunday, April 4, 2021

I have slipped from a 56 to a 57 after two new accounts started reporting. The red flags remain the same.

Screen Shot 2021-04-05 at 7.56.54 AM.png

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 988 of 1,094
iv
Valued Contributor

Re: EQ FICO Resilience Index Leaderboard - Sunday, April 4, 2021

Hey @Anonymous !

 

I've been away for quite a while, so I've missed this fun!

 

Stats before a new $50k loan shows up on reports in a few days:

2 red flags, "Resilience Score": 52, Moderate

EQ8: 850

Can't wait to see what it'll do by the end of the week when the new loan hits, or even better, in a month or so when an almost-paid off $35k loan goes from 4% left to paid/closed!

 

Screen Shot 2021-04-05 at 2.57.54 PM.png

Screen Shot 2021-04-05 at 2.58.16 PM.png

Screen Shot 2021-04-05 at 2.58.27 PM.png

Screen Shot 2021-04-05 at 2.59.56 PM.png

EQ8:850 TU8:850 EX8:850
EQ9:847 TU9:847 EX9:839
EQ5:797 TU4:807 EX2:813 - 2021-06-06
Message 989 of 1,094
Mr_Mojo_Risin
Valued Contributor

Re: EQ FICO Resilience Index Leaderboard - Sunday, April 4, 2021


@CreditAggie wrote:

I have slipped from a 56 to a 57 after two new accounts started reporting. The red flags remain the same.

Screen Shot 2021-04-05 at 7.56.54 AM.png


EQ FRI is coming after all of us this month! We're gonna have to straighten up I guess. 🤣

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
NFCU auto loan
Message 990 of 1,094
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