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FICO Score Stress Indicators/Indexes

Anonymous
Not applicable

Re: EQ FICO Resilience Index Leaderboard


@mgood wrote:

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


@mgood: It's interesting to me because I let $1999 report this month and didn't get the 'High balances' flag.

Message 1031 of 1,094
mgood
Frequent Contributor

Re: EQ FICO Resilience Index Leaderboard


@Anonymous wrote:

@mgood wrote:

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


@mgood: It's interesting to me because I let $1999 report this month and didn't get the 'High balances' flag.


So maybe there's some breaking point around $2k? I don't know if it's relative to credit limits or just total dollar amount.


GOAL:

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 776, TU8 777, EX8 770
Goal Score: EQ8 780, TU8 780, EX8 780


Take the myFICO Fitness Challenge
Message 1032 of 1,094
Anonymous
Not applicable

Re: EQ FICO Resilience Index Leaderboard


@mgood wrote:

@Anonymous wrote:

@mgood wrote:

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


@mgood: It's interesting to me because I let $1999 report this month and didn't get the 'High balances' flag.


So maybe there's some breaking point around $2k? I don't know if it's relative to credit limits or just total dollar amount.


It just might be right at $2000. "Total Revolving Balances" is mentioned in a FICO paper about this score. I posted it here.

Message 1033 of 1,094
mgood
Frequent Contributor

Re: EQ FICO Resilience Index Leaderboard


@Anonymous wrote:

@mgood wrote:

@Anonymous wrote:

@mgood wrote:

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


@mgood: It's interesting to me because I let $1999 report this month and didn't get the 'High balances' flag.


So maybe there's some breaking point around $2k? I don't know if it's relative to credit limits or just total dollar amount.


It just might be right at $2000. "Total Revolving Balances" is mentioned in a FICO paper about this score. I posted it here.


My total revolving balance reported is $1072. That plus the $966 balance on a personal loan make the $2038 I posted.


GOAL:

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 776, TU8 777, EX8 770
Goal Score: EQ8 780, TU8 780, EX8 780


Take the myFICO Fitness Challenge
Message 1034 of 1,094
Anonymous
Not applicable

Re: EQ FICO Resilience Index Leaderboard


@mgood wrote:

@Anonymous wrote:

@mgood wrote:

@Anonymous wrote:

@mgood wrote:

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


@mgood: It's interesting to me because I let $1999 report this month and didn't get the 'High balances' flag.


So maybe there's some breaking point around $2k? I don't know if it's relative to credit limits or just total dollar amount.


It just might be right at $2000. "Total Revolving Balances" is mentioned in a FICO paper about this score. I posted it here.


My total revolving balance reported is $1072. That plus the $966 balance on a personal loan make the $2038 I posted.


Well then that's even more interesting! lol

Message 1035 of 1,094
mgood
Frequent Contributor

Re: EQ FICO Resilience Index Leaderboard

If it's total revolving balances you were wanting rather than total balances, I've screwed this up every month.

Dec $4466

Jan $4062

Feb $3033

Mar $1686

Apr $1072


GOAL:

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 776, TU8 777, EX8 770
Goal Score: EQ8 780, TU8 780, EX8 780


Take the myFICO Fitness Challenge
Message 1036 of 1,094
Anonymous
Not applicable

EQ FICO Resilience Index Leaderboard - Wednesday, April 28, 2021

eq_res_logo.png

 

EQ FICO Resilience Index


Leaderboard as of Wednesday, April 28, 2021

Today's Update

 

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

mgood

55

2

55

04-28-2021

Flyingifr

56

2

56

07-21-2020

kilroy8

56

?

56

06-11-2020

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.

Message 1037 of 1,094
Moyel3
Valued Member

Re: EQ FICO Resilience Index Leaderboard - Wednesday, April 28, 2021

Hi @Anonymous . I would like to add a DP.  I am at a 71 with 3 flags.  

High percent of revolving accounts

High revolving account balances

High installment loan balances

 

Recently paid off all but one card, I get an update on 5/14 so i will post again after those balances are reflected.  Hopefully i can level up!

 




Ch7 Filed Jan/2018 Discharged May/2018
Beginning FICO8 all very low 500s
Message 1038 of 1,094
Anonymous
Not applicable

Re: EQ FICO Resilience Index Leaderboard - Wednesday, April 28, 2021


@Moyel3 wrote:

Hi @Anonymous . I would like to add a DP.  I am at a 71 with 3 flags.  


Thank you and welcome @Moyel3 !

 

Good people in that group you'll be joining!

Message 1039 of 1,094
GApeachy
Super Contributor

Re: EQ FICO Resilience Index Leaderboard - Wednesday, April 28, 2021

Hi @Anonymous 

Resilience score.png

Less sensitiveSmiley LOL

"My Take Home Pay Don't Take Me Home"
Message 1040 of 1,094
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