EQ FICO Resilience Index Leaderboard as of Cinco de Mayo, Wednesday, May 5, 2021 (Tacos beat Escargot.) |
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 | |
| sjt | 44 | 0 | 44 | |
MODERATE [45-59] | ||||
| FiresOut | 45 | 2 | 45 | |
| LaHossBoss* | 45 | 2 | 41 | |
| PicoFico | 45 | 2 | 45 | |
| Bankrupt2019 | 46 | 2 | 46 | |
| EW800 | 46 | 2 | 46 | |
| LaHossBoss SO | 47 | 2 | 40 | |
| Thomas_Thumb | 48 | 2 | 48 | |
| jasonbourne84 | 49 | 2 | 49 | |
| nwa479 | 49 | 2 | 49 | |
| Trudy | 49 | 2 | 49 | |
| iv | 52 | 2 | 52 | |
| angelwingz | 53 | 2 | 53 | |
| KLEXH25 | 53 | 2 | 53 | |
| CassieCard | 54 | 2 | 53 | |
| Credit4Growth | 54 | 2 | 54 | |
| Face_Value | 54 | 2 | 54 | |
| mgood | 55 | 2 | 55 | |
| Flyingifr | 56 | 2 | 56 | |
| kilroy8 | 56 | ? | 56 | |
| 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] | ||||
GApeachy | 70 | 3 | 70 | |
K-in-Boston* | 70 | 3 | 70 | |
Moyel3 | 71 | 3 | 71 | |
Dmessina666* | 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.
@Anonymous wrote:
EQ FICO Resilience Index
Leaderboard as of Cinco de Mayo, Wednesday, May 5, 2021
(Tacos beat Escargot.)
Today's Update
- @sjt is now Resilient! New high score of 44.
- The constantly improving credit of the @Anonymous household.
(Her SO to 47.)
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!
EQ FICO RESILIENCE INDEX
Adkins
80
MEMBER NAME
* denotes former award winner
see bottom of postSCORES
RED
FLAGSHIGH
SCOREDATE
Click for Individual Profile DataRESILIENT [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
sjt 44
0
44
MODERATE [45-59]
FiresOut 45
2
45
LaHossBoss* 45
2
41
PicoFico 45
2
45
Bankrupt2019 46
2
46
EW800 46
2
46
LaHossBoss SO 47
2
40
Thomas_Thumb 48
2
48
jasonbourne84 49
2
49
nwa479 49
2
49
Trudy 49
2
49
iv 52
2
52
angelwingz 53
2
53
KLEXH25 53
2
53
CassieCard 54
2
53
Credit4Growth 54
2
54
Face_Value 54
2
54
mgood 55
2
55
Flyingifr 56
2
56
kilroy8 56
?
56
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]
GApeachy
70
3
70
K-in-Boston*
70
3
70
Moyel3
71
3
71
Dmessina666*
72
3
72
jasonbourne84's DH
72
3
72
Kenro*
72
?
72
Brian_Earl_Spilner*
78
3
72
GOLDEN CHALICE WINNER AND
KEEPER OF THE GOLDEN SWORD
Adkins
80
3
80
* FORMER AWARD WINNERS *
MEMBER NAME
AWARD
TROPHY
FOR
DATE
Click for Individual Profile DataBrian_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.
I just discovered this thread this afternoon, and I must say @Anonymous .. it's hysterical. Good job!
I think I know that guy, the creator of the Resilience Index. I think he knows me too, and is looking straight at me.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:@Anonymous 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".
Personally I think the thinking of the "Resilience Index" people on credit mix is wrong.
As someone who has had a lot of experience being in debt, I do not think that being burdened with fixed monthly payments is healthy, wealthy, or wise, or does anything to enhance one's ability to weather economic adversity. On the contrary, being free of loans is helpful to weathering economic adversity. If adversity comes calling, one can reduce one's revolving balances by reining in one's spending. But fixed obligations are money already spent, and a weight around one's neck.
Perhaps this is just more salesmanship by the financial industry trying to encourage us to be enslaved to debt.
@CreditAggie wrote:Getting closer to "sensitive"
Yeah but their reason for considering you to be almost sensitive -- that you do not have installment accounts -- isn't particularly valid IMHO.
EQ FICO Resilience Index Leaderboard as of Thursday, May 6, 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 | |
| sjt | 44 | 0 | 44 | |
MODERATE [45-59] | ||||
| FiresOut | 45 | 2 | 45 | |
| LaHossBoss* | 45 | 2 | 41 | |
| PicoFico | 45 | 2 | 45 | |
| Bankrupt2019 | 46 | 2 | 46 | |
| EW800 | 46 | 2 | 46 | |
| LaHossBoss SO | 47 | 2 | 40 | |
| Thomas_Thumb | 48 | 2 | 48 | |
| jasonbourne84 | 49 | 2 | 49 | |
| nwa479 | 49 | 2 | 49 | |
| Trudy | 49 | 2 | 49 | |
| iv | 52 | 2 | 52 | |
| angelwingz | 53 | 2 | 53 | |
| KLEXH25 | 53 | 2 | 53 | |
| CassieCard | 54 | 2 | 53 | |
| Credit4Growth | 54 | 2 | 54 | |
| Face_Value | 54 | 2 | 54 | |
| mgood | 55 | 2 | 55 | |
| Flyingifr | 56 | 2 | 56 | |
| kilroy8 | 56 | ? | 56 | |
| TMB_ | 56 | 2 | 56 | |
| mrsgrits | 57 | 2 | 57 | |
| CreditAggie | 58 | 2 | 56 | |
| 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] | ||||
GApeachy | 70 | 3 | 70 | |
K-in-Boston* | 70 | 3 | 70 | |
Moyel3 | 71 | 3 | 71 | |
Dmessina666* | 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.
@Anonymous New fico 08 and resilience scores. Two red flags...high revolving balances...high percent revolving.
