FICO Score Stress Indicators/Indexes

[Mr_Mojo_Risin]

---

@iv wrote:

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!

---

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.

[Anonymous]

---

@iv wrote:

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!

---

Welcome back, @iv ! 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

[Anonymous]

---

@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!

[Anonymous]

---

@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.

[iv]

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...

...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 FRI	500	520	540	560	580	600	620	640	660	680	700	720	740	760	780	800	820	840	860	880	900
20	43	41	38	36	34	32	30	27	25	23	21	19	16	14	12	10	8	5	3	1	-1
21	41	39	37	34	32	30	28	26	23	21	19	17	15	12	10	8	6	4	1	-1	-3
22	39	37	35	33	31	28	26	24	22	20	17	15	13	11	9	6	4	2	0	-2	-5
23	38	35	33	31	29	27	24	22	20	18	16	13	11	9	7	5	2	0	-2	-4	-6
24	36	34	31	29	27	25	23	20	18	16	14	12	9	7	5	3	1	-2	-4	-6	-8
25	34	32	30	28	25	23	21	19	17	14	12	10	8	6	3	1	-1	-3	-5	-8	-10
26	32	30	28	26	24	21	19	17	15	13	10	8	6	4	2	-1	-3	-5	-7	-9	-12
27	31	28	26	24	22	20	17	15	13	11	9	6	4	2	0	-2	-5	-7	-9	-11	-13
28	29	27	25	22	20	18	16	14	11	9	7	5	3	0	-2	-4	-6	-8	-11	-13	-15
29	27	25	23	21	18	16	14	12	10	7	5	3	1	-1	-4	-6	-8	-10	-12	-15	-17
30	25	23	21	19	17	14	12	10	8	6	3	1	-1	-3	-5	-8	-10	-12	-14	-16	-19
31	24	22	19	17	15	13	11	8	6	4	2	0	-3	-5	-7	-9	-11	-14	-16	-18	-20
32	22	20	18	15	13	11	9	7	4	2	0	-2	-4	-7	-9	-11	-13	-15	-18	-20	-22
33	20	18	16	14	12	9	7	5	3	1	-2	-4	-6	-8	-10	-13	-15	-17	-19	-21	-24
34	19	16	14	12	10	8	5	3	1	-1	-3	-6	-8	-10	-12	-14	-17	-19	-21	-23	-25
35	17	15	12	10	8	6	4	1	-1	-3	-5	-7	-10	-12	-14	-16	-18	-21	-23	-25	-27
36	15	13	11	9	6	4	2	0	-2	-5	-7	-9	-11	-13	-16	-18	-20	-22	-24	-27	-29
37	13	11	9	7	5	2	0	-2	-4	-6	-9	-11	-13	-15	-17	-20	-22	-24	-26	-28	-31
38	12	9	7	5	3	1	-2	-4	-6	-8	-10	-13	-15	-17	-19	-21	-24	-26	-28	-30	-32
39	10	8	6	3	1	-1	-3	-5	-8	-10	-12	-14	-16	-19	-21	-23	-25	-27	-30	-32	-34
40	8	6	4	2	-1	-3	-5	-7	-9	-12	-14	-16	-18	-20	-23	-25	-27	-29	-31	-34	-36
41	6	4	2	0	-2	-5	-7	-9	-11	-13	-16	-18	-20	-22	-24	-27	-29	-31	-33	-35	-38
42	5	3	0	-2	-4	-6	-8	-11	-13	-15	-17	-19	-22	-24	-26	-28	-30	-33	-35	-37	-39
43	3	1	-1	-4	-6	-8	-10	-12	-15	-17	-19	-21	-23	-26	-28	-30	-32	-34	-37	-39	-41
44	1	-1	-3	-5	-8	-10	-12	-14	-16	-19	-21	-23	-25	-27	-30	-32	-34	-36	-38	-41	-43
45	0	-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?

[Anonymous]

---

@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.

[Anonymous]

---

@iv wrote:

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

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

[Anonymous]

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!) 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. 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!		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
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
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
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		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.

[iv]

---

@Anonymous 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.)

---

@Anonymous 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.)

---

@Anonymous 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! 

[iv]

---

@Anonymous 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!

---

@Anonymous 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...

---

@Anonymous 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.)