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FICO Score Stress Indicators/Indexes

CassieCard
Senior Contributor

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


@GApeachy wrote:

Hi @CassieCard 

Resilience score.png

Less sensitiveSmiley LOL


Nice! G before K so right to the top of the group!

Keeper of the Scrolls of Resilience: EQ FICO Resilience Index Score Leaderboard (59 People!)

Message 1041 of 1,076
CassieCard
Senior Contributor

EQ FICO Resilience Index Leaderboard - Thursday, April 29, 2021

eq_res_logo.png

 

EQ FICO Resilience Index


Leaderboard as of Thursday, April 29, 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]

GApeachy

70

3

70

04-28-2021

K-in-Boston*

70

3

70

11-04-2020

Moyel3

71

3

71

04-29-2021

Dmessina666*

72

3

72

12-30-2020

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.

Keeper of the Scrolls of Resilience: EQ FICO Resilience Index Score Leaderboard (59 People!)

Message 1042 of 1,076
Mr_Mojo_Risin
Valued Contributor

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


@GApeachy wrote:

Hi @CassieCard 

Resilience score.png

Less sensitiveSmiley LOL


Peachy making some headway, nice to see! 

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
NFCU auto loan
Message 1043 of 1,076
LaHossBoss
Valued Contributor

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

@CassieCard @Birdman7 

 

Thought you both might find this possibly interesting:

 

SO just had his SLs report, yet the red flags have me curious....

Screenshot_20210503-222127_myFICO.jpg

 

Screenshot_20210503-222140_myFICO.jpg

 

Screenshot_20210503-222151_myFICO.jpg

 

 

High percentage of revolving accounts?

 

3 *open/active* SLs

3 primary revolvers + 1 AU revolver

 

That is definitely well under the 1:4 or 1:3 ratio or even 1:2 lol we are at 1:1 (not including AU account) and it is too many?




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 645] [EQ5 678] [VS3 630] | TU [F8 713] [F9 684] [TU4 721] [VS3 639] | EX [F8 640] [F9 651] [EX2 655] [VS3 625]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 620] [EQ5 677] [VS3 627] | TU [F8 684] [F9 658] [TU4 639] [VS3 625] [VS4 666] | EX [F8 712] [F9 684] [EX2 669] [VS3 642]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 1044 of 1,076
Birdman7
Super Contributor

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


@LaHossBoss wrote:

@CassieCard @Birdman7 

 

Thought you both might find this possibly interesting:

 

SO just had his SLs report, yet the red flags have me curious....

Screenshot_20210503-222127_myFICO.jpg

 

Screenshot_20210503-222140_myFICO.jpg

 

Screenshot_20210503-222151_myFICO.jpg

 

 

High percentage of revolving accounts?

 

3 *open/active* SLs

3 primary revolvers + 1 AU revolver

 

That is definitely well under the 1:4 or 1:3 ratio or even 1:2 lol we are at 1:1 (not including AU account) and it is too many?


@LaHossBoss I can't remember the ratio but Cassie will but it's different than the regular algorithms. But also I wonder if student loans are excluded?

-Community’s scoring wisdom: Scoring Primer.
-Revised: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.





(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 1045 of 1,076
LaHossBoss
Valued Contributor

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


@Birdman7 wrote:

@LaHossBoss wrote:

@CassieCard @Birdman7 

 

Thought you both might find this possibly interesting:

 

SO just had his SLs report, yet the red flags have me curious....

Screenshot_20210503-222127_myFICO.jpg

 

Screenshot_20210503-222140_myFICO.jpg

 

Screenshot_20210503-222151_myFICO.jpg

 

 

High percentage of revolving accounts?

 

3 *open/active* SLs

3 primary revolvers + 1 AU revolver

 

That is definitely well under the 1:4 or 1:3 ratio or even 1:2 lol we are at 1:1 (not including AU account) and it is too many?


@LaHossBoss I can't remember the ratio but Cassie will but it's different than the regular algorithms. But also I wonder if student loans are excluded?


I don't believe so, because all my installment loans are exclusively SLs and I do not get the high % of revolving accounts red flag.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 645] [EQ5 678] [VS3 630] | TU [F8 713] [F9 684] [TU4 721] [VS3 639] | EX [F8 640] [F9 651] [EX2 655] [VS3 625]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 620] [EQ5 677] [VS3 627] | TU [F8 684] [F9 658] [TU4 639] [VS3 625] [VS4 666] | EX [F8 712] [F9 684] [EX2 669] [VS3 642]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 1046 of 1,076
CassieCard
Senior Contributor

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


@LaHossBoss wrote:

@Birdman7 wrote:


@LaHossBoss I can't remember the ratio but Cassie will but it's different than the regular algorithms. But also I wonder if student loans are excluded?


I don't believe so, because all my installment loans are exclusively SLs and I do not get the high % of revolving accounts red flag.


That is strange. FICO has a graphic here that shows higher resilience for "Consumers with Installment Loans Comprising at Least Half of All Tradelines".

Keeper of the Scrolls of Resilience: EQ FICO Resilience Index Score Leaderboard (59 People!)

Message 1047 of 1,076
Birdman7
Super Contributor

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

@LaHossBoss so it's counting the authorized user card. 

-Community’s scoring wisdom: Scoring Primer.
-Revised: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.





(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 1048 of 1,076
LaHossBoss
Valued Contributor

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

@Birdman7 , I guess it is!

 

Well hopefully at some point the other 4 SLs start reporting!

 

I have 11-12 SLs (depending on bureau) and 1 soon to be reporting auto loan, so I guess I have some breathing room on that aspect. Not that this resiliency score means much of anything, but fun to track, nonetheless!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 645] [EQ5 678] [VS3 630] | TU [F8 713] [F9 684] [TU4 721] [VS3 639] | EX [F8 640] [F9 651] [EX2 655] [VS3 625]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 620] [EQ5 677] [VS3 627] | TU [F8 684] [F9 658] [TU4 639] [VS3 625] [VS4 666] | EX [F8 712] [F9 684] [EX2 669] [VS3 642]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 1049 of 1,076
sjt
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - Cinco de Mayo 2021

Just check my scores today. I'm at 44! I'm resilient!Resilience Score 5-4-21.png

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 1050 of 1,076
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