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FICO Score Stress Indicators/Indexes

Mr_Mojo_Risin
Valued Contributor

Re: FICO Score Stress Indicators/Indexes


@CassieCard wrote:

@Birdman7 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!

NFCU More Rewards 24K CL
NFCU Cash Rewards 4000 CL
Discover IT 1,500 CL
Quicksilver 600 CL (formerly Platinum)
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*We survived it, now comes the progress*
Previously Bowiefan
Message 1021 of 1,053
CassieCard
Senior Contributor

Re: FICO Score Stress Indicators/Indexes


@Mr_Mojo_Risin wrote:

@CassieCard wrote:

@Birdman7 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.)

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 1022 of 1,053
joeyv1985
Frequent Contributor

Re: EQ FICO Resilience Index Leaderboard - Sunday, April 11, 2021

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. 

Message 1023 of 1,053
LP007
Contributor

Re: EQ FICO Resilience Index Leaderboard - Sunday, April 11, 2021


@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.

 





Message 1024 of 1,053
CassieCard
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - Sunday, April 11, 2021


@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'.

 

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 1025 of 1,053
CassieCard
Senior Contributor

EQ FICO Resilience Index Leaderboard - Tuesday, April 13, 2021

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of Tuesday, April 13, 2021

Breaking News


@joeyv1985 's update: 60, same as last month.

 

General Information about this score

  • How to obtain this score: See #10 in this myFICO blog post.
  • Technical details about the FRI from FICO dated December 2020.
  • @iv posted an excellent table that shows how regular FICO scores can be adjusted up/down by this score.
  • 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

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

04-12-2021

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

LaHossBoss SO

52

2

40

04-12-2021

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

04-13-2021

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.

 

Current theme music: INXS - Original Sin (1984) (YouTube)

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 1026 of 1,053
CreditCuriosity
Moderator

Re: EQ FICO Resilience Index Leaderboard - Sunday, April 11, 2021

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.

 

Screen Shot 2021-04-15 at 6.46.58 AM.png

Message 1027 of 1,053
CassieCard
Senior Contributor

EQ FICO Resilience Index Leaderboard - Thursday, April 15, 2021

eq_res_logo.png

 

EQ FICO Resilience Index


Leaderboard as of Thursday, April 15, 2021

Today's Update

 

  • CreditCuriosity

General Information


  • How to obtain this score: See #10 in this myFICO blog post.
  • Technical details about the FRI from FICO dated December 2020.
  • iv posted an excellent table that shows how regular FICO scores can be adjusted up/down by this score.
  • 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

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

04-12-2021

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

LaHossBoss SO

52

2

40

04-12-2021

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

04-13-2021

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

Dumbee

68

2

56

09-11-2020

CreditCuriosity*

69

2

68

04-15-2021

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 1028 of 1,053
sarge12
Valued Contributor

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


@Adkins wrote:

I pulled my 3B yesterday. Same score. 🤷 Balances are down across the board, but not enough yet evidently. 

So sensitive!!So sensitive!!

 

 


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.

TU fico08=831 03/29/21
EX fico08=830 04/13/21
EQ fico09=840 04/01/21
EX fico09=828 04/03/21
EQ fico bankcard08=858 03/23/21
TU Fico Bankcard 08=862 03/29/21
EQ NG1 fico=802 01/21/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 1029 of 1,053
mgood
Frequent Contributor

Re: EQ FICO Resilience Index Leaderboard

res score 04-28.png

 

EQ8 738

Total balances $2038

Oldest account (on Eq) since July 2014

 

I don't know what it considers high balances Smiley Indifferent

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?)


GOAL:

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 738, TU8 757, EX8 748
Goal Score: EQ8 780, TU8 780, EX8 780


Take the myFICO Fitness Challenge
Message 1030 of 1,053
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