FICO Score Stress Indicators/Indexes

[sarge12]

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@Anonymous wrote:

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

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

[mgood]

EQ8 731

Total balances $2838

Oldest account (on Eq) since July 2014

[Anonymous]

EQ FICO Resilience Index

Leaderboard as of Monday, March 29, 2021

Breaking News

@mgood up to 56 from 58. 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
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
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.

[Mr_Mojo_Risin]

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 🤷‍♂️

[Anonymous]

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@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!

[Anonymous]

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.) 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
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
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.

[Mr_Mojo_Risin]

---

@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. 

[CreditAggie]

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

[iv]

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!

[Mr_Mojo_Risin]

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@CreditAggie wrote:

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

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