cancel
Showing results for 
Search instead for 
Did you mean: 

FICO Score Stress Indicators/Indexes

sarge12
Senior Contributor

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=845 07/19/21
EX fico08=826 07/28/21
EQ fico09=828 07/15/21
EX fico09=824 07/15/21
EQ fico bankcard08=862 07/15/21
TU Fico Bankcard 08=879 07/15/21
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

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

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 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 1093 of 1,094
sjt
Senior Contributor

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 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 1094 of 1,094
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.