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@Anonymous wrote:
@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.
Now I'm learning cloud height here at the myFICO credit/science center. 😅
I'm always willing learn!
@Mr_Mojo_Risin wrote:
@Anonymous wrote:
@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.
Now I'm learning cloud height here at the myFICO credit/science center. 😅
I'm always willing learn!
Cool.
Later on, after the Lifetime movie Psycho Prom Queen is over, we'll be examining the Pearson correlation coefficient between the skyfall rate above and my rapidly dropping TU4 score. (Spoiler alert: I'm winning this month.)
Cassie,
Report came in and unchanged @ 60. My 3 Bureau report came in as well, and not one of the 28 Fico scores went up this month. 23 went down and 7 are unchanged. Utilization was below 2%. Paying off the auto loan is really keeping my scores down especially with my mortgage balance still relatively high(96%). Oh well, just keep my head to the grindstone I guess.
@joeyv1985 wrote:Cassie,
Report came in and unchanged @ 60. My 3 Bureau report came in as well, and not one of the 28 Fico scores went up this month. 23 went down and 7 are unchanged. Utilization was below 2%. Paying off the auto loan is really keeping my scores down especially with my mortgage balance still relatively high(96%). Oh well, just keep my head to the grindstone I guess.
Ended up paying off a credit builder loan cuz I need that cash back now. EQ fell 29 points, EX fell 31, DOH! Just waiting for TU to show their a$$. But if I get EE for my BK next month, I see my score popping up 50 points in my opinion. From dirty bucket to clean bucket.
@LP007 wrote:
@joeyv1985 wrote:Cassie,
Report came in and unchanged @ 60. My 3 Bureau report came in as well, and not one of the 28 Fico scores went up this month. 23 went down and 7 are unchanged. Utilization was below 2%. Paying off the auto loan is really keeping my scores down especially with my mortgage balance still relatively high(96%). Oh well, just keep my head to the grindstone I guess.
Ended up paying off a credit builder loan cuz I need that cash back now. EQ fell 29 points, EX fell 31, DOH! Just waiting for TU to show their a$$. But if I get EE for my BK next month, I see my score popping up 50 points in my opinion. From dirty bucket to clean bucket.
@LP007: +50 is gonna feel good!
I had an EQ 8 score of 730 without credit cards on file and when I closed my SSL/credit-builder account it dropped -46 points! My credit file was only 1yr1mo old then, though.
If I had any kind of loan I'd want to pay it off quickly too. Forget 'credit mix'.
EQ FICO Resilience Index
Leaderboard as of Tuesday, April 13, 2021 |
Breaking News |
|
General Information about this score |
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 | EQ FICO RESILIENCE INDEX | |
Adkins | 80 |
MEMBER NAME | SCORES | RED | HIGH | DATE |
RESILIENT [1-44] | ||||
GOLD KEY WINNERS | ||||
juggernaut9* | 32 | 0 | 32 | |
mrsgrits' DH | 32 | 0 | 32 | |
LP007 | 34 | 0 | 34 | |
CreditBones | 37 | 0 | 37 | |
Lulah* | 37 | 0 | 37 | |
USDOD | 37 | 0 | 37 | |
THE BAT | ||||
tacpoly [EQ 8 850] | 39 | 0 | 39 | |
JWD1980* | 40 | 0 | 40 | |
Throckmorton's Wife* | 40 | ? | 40 | |
Tonya-E [EQ 8 850] | 42 | 0 | 42 | |
MODERATE [45-59] | ||||
FiresOut | 45 | 2 | 45 | |
LaHossBoss* | 45 | 2 | 41 | |
PicoFico | 45 | 2 | 45 | |
Bankrupt2019 | 46 | 2 | 46 | |
EW800 | 46 | 2 | 46 | |
sjt | 47 | 2 | 47 | |
Thomas_Thumb | 48 | 2 | 48 | |
jasonbourne84 | 49 | 2 | 49 | |
nwa479 | 49 | 2 | 49 | |
Trudy | 49 | 2 | 49 | |
iv | 52 | 2 | 52 | |
LaHossBoss SO | 52 | 2 | 40 | |
angelwingz | 53 | 2 | 53 | |
KLEXH25 | 53 | 2 | 53 | |
CassieCard | 54 | 2 | 53 | |
Credit4Growth | 54 | 2 | 54 | |
Face_Value | 54 | 2 | 54 | |
Flyingifr | 56 | 2 | 56 | |
kilroy8 | 56 | ? | 56 | |
mgood | 56 | 2 | 55 | |
TMB_ | 56 | 2 | 56 | |
CreditAggie | 57 | 2 | 56 | |
mrsgrits | 57 | 2 | 57 | |
Mr_Mojo_Risin | 58 | 2 | 54 | |
sarge12 | 58 | 2 | 58 | |
Chris865 [OP] | 59 | 2 | 52 | |
SENSITIVE [60-69] | ||||
joeyv1985 | 60 | 2 | 56 | |
coreysw12 | 61 | 2 | 60 | |
CreditObsessedinFL | 61 | 2 | 56 | |
NRB525 | 63 | 2 | 63 | |
Remedios | 63 | 2 | 63 | |
Dogbert* | 64 | 2 | 64 | |
OmarGB9 | 64 | 2 | 64 | |
SecretAzure | 64 | 2 | 64 | |
Birdman7 | 65 | 2 | 60 | |
Revelate | 65 | 2 | 63 | |
RehabbingANDBlabbing | 66 | 2 | 66 | |
thornback | 66 | 2 | 66 | |
CreditCuriosity* | 68 | 3 | 68 | |
Dumbee | 68 | 2 | 56 | |
jayk1 | 69 | ? | 69 | |
VERY SENSITIVE [70-99] | ||||
K-in-Boston* | 70 | 3 | 70 | |
Dmessina666* | 72 | 3 | 72 | |
GApeachy | 72 | 3 | 72 | |
jasonbourne84's DH | 72 | 3 | 72 | |
Kenro* | 72 | ? | 72 | |
Brian_Earl_Spilner* | 78 | 3 | 72 | |
GOLDEN CHALICE WINNER AND | ||||
Adkins | 80 | 3 | 80 |
* FORMER AWARD WINNERS * |
MEMBER NAME | AWARD | TROPHY | FOR | DATE |
Brian_Earl_Spilner | GOLDEN CHALICE | Lowest rating: 76 | ||
Brian_Earl_Spilner | GOLDEN SWORD | Record Low Rating: 76 | ||
CreditCuriosity | GOLDEN CHALICE | Lowest rating: 75 | ||
Dmessina666 | GOLDEN CHALICE | Lowest rating: 78 | ||
Dmessina666 | GOLDEN SWORD | Record Low Rating: 78 | ||
Dogbert | GOLDEN CHALICE | Lowest rating: 76 | ||
Dogbert | GOLDEN SWORD | Record Low Rating: 76 | ||
juggernaut9 | GOLD KEY | Highest Rating: 37 | ||
JWD1980 | GOLD KEY | Highest Rating: 40 | ||
K-in-Boston | GOLDEN CHALICE | Lowest rating: 73 | ||
Kenro | GOLDEN CHALICE | Lowest rating: 72 | ||
Kenro | GOLDEN SWORD | Record Low Rating: 72 | ||
LaHossBoss | GOLD KEY | Highest rating: 41 | ||
Lulah | GOLD KEY | Highest Rating: 37 | ||
Throckmorton's Wife | GOLD KEY | Highest Rating: 40 |
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: INXS - Original Sin (1984) (YouTube)
So interesting my house reported as 0 balance since sold it while awaiting my new home to be completed and open up a new loan.. Anyways thought I would see a big lowering of this index due to a huge liability off my back for a temporarily basis at least. Not the case at all went up 1 point in risk score. More I see this score the more I think it is pure garbage in my opinion, as has no clue what ones income is and I just dropped 2k in house payment per month from my profile. Just another data point. Also my other scores pretty much stayed the same mortgage, etc a few points here and there, but nothing earth shattering after selling house wanted to pull it to make sure i didn't shed alot of mortgage points since will be doing another mortgage loan in about 2-3 months, but nope about the same.
EQ FICO Resilience Index Leaderboard as of Thursday, April 15, 2021 |
Today's Update |
|
General Information |
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 | EQ FICO RESILIENCE INDEX | |
Adkins | 80 |
MEMBER NAME | SCORES | RED | HIGH | DATE |
RESILIENT [1-44] | ||||
GOLD KEY WINNERS | ||||
juggernaut9* | 32 | 0 | 32 | |
mrsgrits' DH | 32 | 0 | 32 | |
LP007 | 34 | 0 | 34 | |
CreditBones | 37 | 0 | 37 | |
Lulah* | 37 | 0 | 37 | |
USDOD | 37 | 0 | 37 | |
THE BAT | ||||
tacpoly [EQ 8 850] | 39 | 0 | 39 | |
JWD1980* | 40 | 0 | 40 | |
Throckmorton's Wife* | 40 | ? | 40 | |
Tonya-E [EQ 8 850] | 42 | 0 | 42 | |
MODERATE [45-59] | ||||
FiresOut | 45 | 2 | 45 | |
LaHossBoss* | 45 | 2 | 41 | |
PicoFico | 45 | 2 | 45 | |
Bankrupt2019 | 46 | 2 | 46 | |
EW800 | 46 | 2 | 46 | |
sjt | 47 | 2 | 47 | |
Thomas_Thumb | 48 | 2 | 48 | |
jasonbourne84 | 49 | 2 | 49 | |
nwa479 | 49 | 2 | 49 | |
Trudy | 49 | 2 | 49 | |
iv | 52 | 2 | 52 | |
LaHossBoss SO | 52 | 2 | 40 | |
angelwingz | 53 | 2 | 53 | |
KLEXH25 | 53 | 2 | 53 | |
CassieCard | 54 | 2 | 53 | |
Credit4Growth | 54 | 2 | 54 | |
Face_Value | 54 | 2 | 54 | |
Flyingifr | 56 | 2 | 56 | |
kilroy8 | 56 | ? | 56 | |
mgood | 56 | 2 | 55 | |
TMB_ | 56 | 2 | 56 | |
CreditAggie | 57 | 2 | 56 | |
mrsgrits | 57 | 2 | 57 | |
Mr_Mojo_Risin | 58 | 2 | 54 | |
sarge12 | 58 | 2 | 58 | |
Chris865 [OP] | 59 | 2 | 52 | |
SENSITIVE [60-69] | ||||
joeyv1985 | 60 | 2 | 56 | |
coreysw12 | 61 | 2 | 60 | |
CreditObsessedinFL | 61 | 2 | 56 | |
NRB525 | 63 | 2 | 63 | |
Remedios | 63 | 2 | 63 | |
Dogbert* | 64 | 2 | 64 | |
OmarGB9 | 64 | 2 | 64 | |
SecretAzure | 64 | 2 | 64 | |
Birdman7 | 65 | 2 | 60 | |
Revelate | 65 | 2 | 63 | |
RehabbingANDBlabbing | 66 | 2 | 66 | |
thornback | 66 | 2 | 66 | |
Dumbee | 68 | 2 | 56 | |
CreditCuriosity* | 69 | 2 | 68 | |
jayk1 | 69 | ? | 69 | |
VERY SENSITIVE [70-99] | ||||
K-in-Boston* | 70 | 3 | 70 | |
Dmessina666* | 72 | 3 | 72 | |
GApeachy | 72 | 3 | 72 | |
jasonbourne84's DH | 72 | 3 | 72 | |
Kenro* | 72 | ? | 72 | |
Brian_Earl_Spilner* | 78 | 3 | 72 | |
GOLDEN CHALICE WINNER AND | ||||
Adkins | 80 | 3 | 80 |
* FORMER AWARD WINNERS * |
MEMBER NAME | AWARD | TROPHY | FOR | DATE |
Brian_Earl_Spilner | GOLDEN CHALICE | Lowest rating: 76 | ||
Brian_Earl_Spilner | GOLDEN SWORD | Record Low Rating: 76 | ||
CreditCuriosity | GOLDEN CHALICE | Lowest rating: 75 | ||
Dmessina666 | GOLDEN CHALICE | Lowest rating: 78 | ||
Dmessina666 | GOLDEN SWORD | Record Low Rating: 78 | ||
Dogbert | GOLDEN CHALICE | Lowest rating: 76 | ||
Dogbert | GOLDEN SWORD | Record Low Rating: 76 | ||
juggernaut9 | GOLD KEY | Highest Rating: 37 | ||
JWD1980 | GOLD KEY | Highest Rating: 40 | ||
K-in-Boston | GOLDEN CHALICE | Lowest rating: 73 | ||
Kenro | GOLDEN CHALICE | Lowest rating: 72 | ||
Kenro | GOLDEN SWORD | Record Low Rating: 72 | ||
LaHossBoss | GOLD KEY | Highest rating: 41 | ||
Lulah | GOLD KEY | Highest Rating: 37 | ||
Throckmorton's Wife | GOLD KEY | Highest Rating: 40 |
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.
@Adkins wrote:I pulled my 3B yesterday. Same score. 🤷 Balances are down across the board, but not enough yet evidently.
Being that sensetive, you probably cry watching every movie, even comedies. No chance you will ever need sensetivity training...you could teach the class. How did you become that sensetive? What is your secret? Being moderately sensetive, I know my chance of becoming sensetive is greater than becoming resilient. I am tired of being stuck in the middle. I want an 81 and a golden chalice, so don't rest on your success, because I am aiming to supplant your acheivment.
EQ8 738
Total balances $2038
Oldest account (on Eq) since July 2014
I don't know what it considers high balances
My one installment loan has a $966 balance on what was a $6894 loan. (Actually owe $779, but it reports about a month behind.)
I'm at 3% aggregate on my revolving accounts! (19% on one, 5% on another, 0 on all the rest.)
@CreditCuriosity wrote:More I see this score the more I think it is pure garbage in my opinion, as has no clue what ones income is and I just dropped 2k in house payment per month from my profile.
Agreed.
No huge changes to my scores this month. 19 of the 28 went up, 8 stayed the same, and 1 (FICO 3 Ex) went down a little. (Does anyone care about FICO 3?)