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FICO Score Stress Indicators/Indexes

Mr_Mojo_Risin
Valued Contributor

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


@iv wrote:

Hey @CassieCard !

 

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


Welcome back! Those are some nice stats you have there.

I'm interested to see how your situation shakes out next month for EQ Resilience.

 

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 991 of 1,053
CassieCard
Senior Contributor

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


@iv wrote:

Hey @CassieCard !

 

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!


Welcome back, @iv ! Smiley Happy I like to add people to the list!

 

Your credit profile is great already, so no lender is going to check this score for you. They'll just be lining up to give you another loan!

 

Just look at the fine, upstanding members over in the Animal House that is "Sensitive" + "Very Sensitive".

Moderators, former Moderators, Community Leaders....Brian....these are some quality people with horrible Resilience that get approved for stuff all the time! lol

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 992 of 1,053
CassieCard
Senior 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.

 


@CreditAggie: Well that wasn't bad at all! Time for some scallops and octopus from Costco!

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 993 of 1,053
CassieCard
Senior Contributor

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


@Mr_Mojo_Risin wrote:

@CreditAggie wrote:

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


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


Oh yeah....I just set my cards up for a total of $1999 to report on 4-of-4 cards! I'm gonna lose points on EVERY SINGLE SCORE THAT EVER EXISTED! LOL

 

I need a low-score reference that's free of any miscellaneous aging gains, and this is a great month to do it. I consider this setup to be  'maxed out'. I can't wait to see the big swing back at AZEO in May. I may still get a low of 56 on Resilience, since I had that with 4-of-4 at $1807.

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 994 of 1,053
iv
Valued Contributor

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

So... forgive me if this has already been covered elsewhere (I'm still catching up on everything that's happened since 2019 here...) - but are we not talking in detail about the formula in https://www.fico.com/en/resource-access/download/13846 for any reason?

 

That looks like a much greater level of detail on how the "Resilience Index" is applied than I'd have expected to see publicly...

 

The concrete numbers provided are for EQ 8 Auto...

 

Screen Shot 2021-04-05 at 8.55.37 PM.png

 

...and seem to very clearly show the intended use of the "Resilience Index" - providing a "Stress-Adjusted" version of the base FICO score (which can be either lower OR HIGHER).

 

This shows the following adjustment pattern (for ranges of FRI from 20 to 70, and EQ 8 Auto scores from 500 to 900):

 

EQ 8 Auto
vs FRI500520540560580600620640660680700720740760780800820840860880900
20434138363432302725232119161412108531-1
214139373432302826232119171512108641-1-3
22393735333128262422201715131196420-2-5
233835333129272422201816131197520-2-4-6
2436343129272523201816141297531-2-4-6-8
253432302825232119171412108631-1-3-5-8-10
2632302826242119171513108642-1-3-5-7-9-12
273128262422201715131196420-2-5-7-9-11-13
2829272522201816141197530-2-4-6-8-11-13-15
292725232118161412107531-1-4-6-8-10-12-15-17
3025232119171412108631-1-3-5-8-10-12-14-16-19
312422191715131186420-3-5-7-9-11-14-16-18-20
3222201815131197420-2-4-7-9-11-13-15-18-20-22
33201816141297531-2-4-6-8-10-13-15-17-19-21-24
3419161412108531-1-3-6-8-10-12-14-17-19-21-23-25
35171512108641-1-3-5-7-10-12-14-16-18-21-23-25-27
3615131196420-2-5-7-9-11-13-16-18-20-22-24-27-29
37131197520-2-4-6-9-11-13-15-17-20-22-24-26-28-31
381297531-2-4-6-8-10-13-15-17-19-21-24-26-28-30-32
39108631-1-3-5-8-10-12-14-16-19-21-23-25-27-30-32-34
408642-1-3-5-7-9-12-14-16-18-20-23-25-27-29-31-34-36
416420-2-5-7-9-11-13-16-18-20-22-24-27-29-31-33-35-38
42530-2-4-6-8-11-13-15-17-19-22-24-26-28-30-33-35-37-39
4331-1-4-6-8-10-12-15-17-19-21-23-26-28-30-32-34-37-39-41
441-1-3-5-8-10-12-14-16-19-21-23-25-27-30-32-34-36-38-41-43
450-3-5-7-9-11-14-16-18-20-22-25-27-29-31-33-36-38-40-42-44
46-2-4-7-9-11-13-15-18-20-22-24-26-29-31-33-35-37-40-42-44-46
47-4-6-8-10-13-15-17-19-21-24-26-28-30-32-35-37-39-41-43-46-48
48-6-8-10-12-14-17-19-21-23-25-28-30-32-34-36-39-41-43-45-47-50
49-7-10-12-14-16-18-21-23-25-27-29-32-34-36-38-40-43-45-47-49-51
50-9-11-13-16-18-20-22-24-27-29-31-33-35-38-40-42-44-46-49-51-53
51-11-13-15-17-20-22-24-26-28-31-33-35-37-39-42-44-46-48-50-53-55
52-13-15-17-19-21-24-26-28-30-32-35-37-39-41-43-46-48-50-52-54-57
53-14-16-19-21-23-25-27-30-32-34-36-38-41-43-45-47-49-52-54-56-58
54-16-18-20-23-25-27-29-31-34-36-38-40-42-45-47-49-51-53-56-58-60
55-18-20-22-24-27-29-31-33-35-38-40-42-44-46-49-51-53-55-57-60-62
56-19-22-24-26-28-30-33-35-37-39-41-44-46-48-50-52-55-57-59-61-63
57-21-23-26-28-30-32-34-37-39-41-43-45-48-50-52-54-56-59-61-63-65
58-23-25-27-29-32-34-36-38-40-43-45-47-49-51-54-56-58-60-62-65-67
59-25-27-29-31-33-36-38-40-42-44-47-49-51-53-55-58-60-62-64-66-69
60-26-29-31-33-35-37-40-42-44-46-48-51-53-55-57-59-62-64-66-68-70
61-28-30-32-35-37-39-41-43-46-48-50-52-54-57-59-61-63-65-68-70-72
62-30-32-34-36-39-41-43-45-47-50-52-54-56-58-61-63-65-67-69-72-74
63-32-34-36-38-40-43-45-47-49-51-54-56-58-60-62-65-67-69-71-73-76
64-33-35-38-40-42-44-46-49-51-53-55-57-60-62-64-66-68-71-73-75-77
65-35-37-39-42-44-46-48-50-53-55-57-59-61-64-66-68-70-72-75-77-79
66-37-39-41-43-46-48-50-52-54-57-59-61-63-65-68-70-72-74-76-79-81
67-38-41-43-45-47-49-52-54-56-58-60-63-65-67-69-71-74-76-78-80-82
68-40-42-45-47-49-51-53-56-58-60-62-64-67-69-71-73-75-78-80-82-84
69-42-44-46-49-51-53-55-57-60-62-64-66-68-71-73-75-77-79-82-84-86
70-44-46-48-50-52-55-57-59-61-63-66-68-70-72-74-77-79-81-83-85-88

 

Notice the diagonal "no-effect" line running from 45/500 up to around 20/900?  That's (roughly, barring rounding - it's closer to 19/900) the point on each scale where the FRI is expected not to modify your score.

 

Above and left of that line, the FRI actually improves the base score, below and right decreases the base score.

 

I'm honestly kinda surprised how clear the info about this scaling factor is... compared to most FICO-isms.

 

Looks like the biggest negative offset would be -138 points (at FRI 99 and EQ8 Auto 900, so an effective score of 762), and the biggest positive offset would be +103 (at FRI 1 and EQ8 Auto 250, so an effective score of 353).  Of course, it more likely that the FRI offset wouldn't even be looked at for scores outside of, say, 580-760... or perhaps even a smaller range?

 

 

EQ8:850 TU8:850 EX8:850
EQ9:850 TU9:850 EX9:850
EQ5:796 TU4:806 EX2:809 - 2021-04-06
Message 995 of 1,053
CassieCard
Senior Contributor

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


@iv wrote:

So... forgive me if this has already been covered elsewhere (I'm still catching up on everything that's happened since 2019 here...) - but are we not talking in detail about the formula in https://www.fico.com/en/resource-access/download/13846 for any reason?

 

That looks like a much greater level of detail on how the "Resilience Index" is applied than I'd have expected to see publicly...

I posted the link to that paper last month in a post referenced from the 'General Information about this score" section of the Leaderboard. It's been at the top of the list since then.

 

Yes, it was very surprising to see so much detail! There is some more good info in the podcast interview with a VP at FICO (also linked in general info). Everyone from FICO that talks about this score - that VP and even the FICO CEO - mentions it being used for 'edge cases', like someone with a 660 to 700 or something that a lender might not ordinarily approve.

 

I just don't think someone with a 740+ has anything to worry about with this score.

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 996 of 1,053
CassieCard
Senior Contributor

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


@iv wrote:

The concrete numbers provided are for EQ 8 Auto...

 

Screen Shot 2021-04-05 at 8.55.37 PM.png

 

Oh and nice work @iv , plugging that formula in and generating the chart! That's very, very helpful!

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 997 of 1,053
CassieCard
Senior Contributor

EQ FICO Resilience Index Leaderboard - Monday, April 5, 2021

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of Monday, April 5, 2021

Breaking News

 

@CreditAggie to 57 with that excellent Citi Costco Visa card!


@iv is back with a bang at 52, posting an excellent chart
that shows how much a FICO Auto 8 score can be adjusted
based on a certain Resilience Index score.
(This is the offset I mentioned in an earlier post, but the chart makes it so much clearer!)

 

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.
  • My highlights from the interview above.

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

04-06-2021

 

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

iv

52

2

52

04-05-2021

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

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

CreditAggie

57

2

56

04-05-2021

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

04-06-2021

 

* 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 998 of 1,053
iv
Valued Contributor

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


@CassieCard wrote:

Your credit profile is great already, so no lender is going to check this score for you.


I just like seeing numbers that I can actually play with/move!

(It's boring watching pinned needles... not that I should complain.)

 


@CassieCard wrote:

They'll just be lining up to give you another loan!


And killing a small forest doing it!

I know it's heresy around here, but I haven't opened a new CC account since... 2015.

They haven't stopped trying with the mailers, though.

(Three auto loans, a HELOC, and a refi since then, but no cards.)

 


@CassieCard wrote:

Just look at the fine, upstanding members over in the Animal House that is "Sensitive" + "Very Sensitive".

Moderators, former Moderators, Community Leaders....Brian....these are some quality people with horrible Resilience that get approved for stuff all the time! lol


Well, then I guess I should work on being more "Sensitive", then! Smiley Wink

EQ8:850 TU8:850 EX8:850
EQ9:850 TU9:850 EX9:850
EQ5:796 TU4:806 EX2:809 - 2021-04-06
Message 999 of 1,053
iv
Valued Contributor

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


@CassieCard wrote:
I posted the link to that paper last month in a post referenced from the 'General Information about this score" section of the Leaderboard. It's been at the top of the list since then.

Yup, that's where I saw the link, thanks! Was just wondering why the math wasn't being dissected yet!

 


@CassieCard wrote:

Yes, it was very surprising to see so much detail! There is some more good info in the podcast interview with a VP at FICO (also linked in general info). Everyone from FICO that talks about this score - that VP and even the FICO CEO - mentions it being used for 'edge cases', like someone with a 660 to 700 or something that a lender might not ordinarily approve.


I haven't had a chance to listen to any of the audio yet - but thanks for collecting and organizing all the info.  I really need to get back up to speed with everything...

 


@CassieCard wrote:

I just don't think someone with a 740+ has anything to worry about with this score.


Yup. Not only because a lender is unlikely to reference the FRI for them at all... but also because the effect isn't all that important. A 52/740 would still be a stress-adjusted 700+, and a 99/900 would still be a 760+. (EQ8 Auto numbers for these, and both would still be just fine for a loan.)

 

EQ8:850 TU8:850 EX8:850
EQ9:850 TU9:850 EX9:850
EQ5:796 TU4:806 EX2:809 - 2021-04-06
Message 1000 of 1,053
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