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FICO Score Stress Indicators/Indexes

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sarge12
Senior Contributor
‎06-05-2021 09:15 PM
‎06-05-2021 09:15 PM

Re: EQ FICO Resilience Index Leaderboard

@GApeachy wrote:

Hi @Anonymous 

Welp, back to 71 again.  I'd post a SS but what's the use. Same ol' Same ol'...ya know?  

When my new loan reports I'll post a SS as the usual 3 red flags included "no loan activity".  Maybe next month.

Have a happy weekend girl!

71...you very sensetive folk are my heros!!!! 

TU fico08=812 07/16/23
EX fico08=809 07/16/23
EQ fico09=812 07/16/23
EX fico09=821 07/16/23
EQ fico bankcard08=832 07/16/23
TU Fico Bankcard 08=840 07/16/23
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 1091 of 1,094
iv
Valued Contributor
‎06-06-2021 07:56 PM
‎06-06-2021 07:56 PM

Re: EQ FICO Resilience Index Leaderboard - Friday, May 28, 2021

Back to 52 as of 6/6... (one auto loan reported closed, new loan is 90+% util), same Red Flags (113 and 116).

 

Screen Shot 2021-06-06 at 10.50.13 PM.png

 

Screen Shot 2021-06-06 at 10.50.20 PM.png

 

Screen Shot 2021-06-06 at 10.50.27 PM.png

 

(Code numbers from Extended Reason Codes extension.)

EQ8:850 TU8:850 EX8:850
EQ9:847 TU9:847 EX9:839
EQ5:797 TU4:807 EX2:813 - 2021-06-06
Message 1092 of 1,094
sjt
Senior Contributor
‎06-07-2021 11:43 AM
‎06-07-2021 11:43 AM

Re: EQ FICO Resilience Index Leaderboard - Friday, May 28, 2021

@Anonymous My only installment loan, which is an auto loan, is scheduled to be paid off by this September. I'm thinking of paying it off early. Once it's paid off, do you think i'll take a hit on my Resilience Score? Also, paid-off loans are still factored in the credit mix, right?
American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 1093 of 1,094
sjt
Senior Contributor
‎06-08-2021 05:44 PM
‎06-08-2021 05:44 PM

Re: EQ FICO Resilience Index Leaderboard - Friday, May 28, 2021

My resilience score is 41, which was 44. Equifax score is 850 for version 8 and now 9. The one and only instalment loan are below 8.9%, which I believe triggered the resilience and FICO 9 score change.
American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 1094 of 1,094
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