Re: FICO Score Stress Indicators/Indexes

Anonymous · ‎04-11-2021

EQ FICO Resilience Index

Leaderboard as of Sunday, April 11, 2021

Breaking News

@Tonya-E to 42, Resilient, and with an EQ 850!

I go from 53 to 54 with 4-of-4 reporting a balance.

@Adkins hangs on to the Golden Chalice and Golden Sword

with a recently updated score of 80!

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

@iv is back with a bang at 52, posting an excellent table
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 [EQ 8 850]	42	0	42	04-10-2021
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
KLEXH25	53	2	53	07-26-2020
CassieCard	54	2	53	04-11-2021
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.

Current theme music: Taylor Swift - The Last Time ft. Gary Lightbody

Anonymous · ‎04-11-2021

@Anonymous wrote:
I think Average Age of Revolving Accounts (AAoRA, yeah it's a thing alright) helped me this month with this score, because I can't explain it any other way. Unless my total credit limit being raised by $9,500 this month had something to do with it. Who knows how they segment this thing.

At 4-of-4 with $1807 in aggregate balance (6%), I had an EQ FRI of 56.
This time I'm at 4-of-4 with $1999 in aggregate balance (5%), and I get a EQ FRI of 54?(AAoRA = 1yr9mo, nothing else is a multiple of 3 either.)

@Anonymous nobody wanted to believe me about Average Age of Revolving Accounts (AAoRA)!!!

Or about the sky falling ... I tried to tell them...

Remedios · ‎04-11-2021

Who would these "them" be?

Anonymous · ‎04-11-2021

The fictional nonexistent group of ppl that failed to believe the sky was falling!

Anonymous · ‎04-11-2021

@Anonymous wrote:
The fictional nonexistent group of ppl that failed to believe the sky was falling!

Silly fictional nonexistent group of ppl....

"The Sky Is Falling, Scientists Report"

Researchers at The University of Auckland have reported a decreasing trend in average global cloud heights from 2000 to 2010, based on data gathered by the Multi-angle Imaging SpectroRadiometer (MISR) on NASA’s Terra satellite. The change over the ten-year span was 30 to 40 meters, and was mostly due to fewer clouds at higher altitudes.

Anonymous · ‎04-12-2021

@Anonymous

Just an update:

My RS is holding steady at 45

SO has shot up to 52! He has all his oldest accounts removed and his AAoA plummeted. He now has no open installments.

Here are the red flags for both of us:

Mine

This makes sense. My SLs are now reporting, so high util. The second reason I assume is the raw $ amount of the monthly payments.

SO

For SO this is clear. The interesting note is the high % of revolving accounts. Sorry if I dont recall out of this huge thread the specific DPs for revolvers:installments, but he has 5 revolvers (3 primary, 1 AU, and 1 closed) and 3 installments (all closed). So it is clearly a ratio of open accounts, IMO, since that is less than 2:1.

Anonymous · ‎04-12-2021

@Anonymous wrote:
@Anonymous

Just an update:

My RS is holding steady at 45

SO has shot up to 52! He has all his oldest accounts removed and his AAoA plummeted. He now has no open installments.

Now he has to wash by hand all the stuff that can't go in the dishwasher. As is tradition.

For SO this is clear. The interesting note is the high % of revolving accounts. Sorry if I dont recall out of this huge thread the specific DPs for revolvers:installments, but he has 5 revolvers (3 primary, 1 AU, and 1 closed) and 3 installments (all closed). So it is clearly a ratio of open accounts, IMO, since that is less than 2:1.

You got it right! 2:1, open. It's in a FICO graphic:

Anonymous · ‎04-12-2021

@Anonymous

Thanks!

Well then things will be looking good for SO on the RS front then! Those SLs should start reporting any day now (already popped up on TU). Funny enough, he has 3 to match his 3 revolvers. I guess we will see if the AU works against him or if it is disreagrded. $98/mo for the SLs, so that looks good for the RS (not like it matters IRL, but you know...it does in MyFico-Land!). Only downside is a high bal on one card for a 0% promo, but from what I have seen, if you are resilient, you get no flags.

New 3B pull in 2 weeks and all will be revealed! I am going to take a guess at he will be resilient once again!

Anonymous · ‎04-12-2021