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FICO Score Stress Indicators/Indexes

joeyv1985
Frequent Contributor

Re: EQ FICO Resilience Index Leaderboard - February 6, 2021


@sarge12 wrote:

It is ironic that the very actions that we have used to get 800+ scores, made us less resilient. Opening many cards with high limits, keeping utilization low. That gets me dinged for too many revolving accounts, to many balances on revolvers or whatever it said. Seems they did this new score just to knock us in the 800 club off our high horses. We learned to play their game, so now they create a new game with different rules. Aint that cheating?


I agree Sarge. 

Message 971 of 1,094
Anonymous
Not applicable

EQ FICO Resilience Index Leaderboard - Monday, March 15, 2021

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of Monday, March 15, 2021

Breaking News

 

Welcome @SecretAzure ! 56th to join!

 

General Information about this score

  • New score factor information from FICO dated December 2020.
  • 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.

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

12-07-2020

 

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

LaHossBoss SO

40

0

40

02-26-2021

Throckmorton's Wife*

40

?

40

05-07-2020

Tonya-E

43

0

43

02-10-2021

MODERATE [45-59]

FiresOut

45

2

45

06-05-2020

LaHossBoss*

45

2

41

02-24-2021

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

Trudy

49

2

49

06-12-2020

Chris865 [OP]

52

2

52

05-23-2020

angelwingz

53

2

53

04-09-2020

CassieCard

53

2

53

03-11-2021

KLEXH25

53

2

53

07-26-2020

Credit4Growth

54

2

54

07-30-2020

Face_Value

54

2

54

10-17-2020

Mr_Mojo_Risin

54

2

54

03-05-2021

CreditAggie

56

2

56

03-05-2021

Flyingifr

56

2

56

07-21-2020

kilroy8

56

?

56

06-11-2020

TMB_

56

2

56

06-01-2020

mrsgrits

57

2

57

11-06-2020

mgood

58

2

55

02-27-2021

sarge12

58

2

58

03-09-2021

SENSITIVE [60-69]

joeyv1985

60

2

56

03-13-2021

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

jayk1

69

?

69

09-05-2020

VERY SENSITIVE [70-99]

K-in-Boston*

70

3

70

11-04-2020

CreditCuriosity*

72

3

72

10-19-2020

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

12-07-2020

 

* 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 972 of 1,094
CreditCuriosity
Moderator

Re: EQ FICO Resilience Index Leaderboard - February 6, 2021

Dropped to 68 pulled report a few weeks ago as going through mortgage sure it will plummit shortly as my house is paid off while i await my new house to be built so be renting for awhile so a huge asset or liability is off my reports or will be shown paid off in a few weeks be interesting to see what that does to it.  Actually from a report I pulled form 2/22/21 just looked at that..  Mortgage score at time was 775 and regular ficos around 800 or higher depending on model

Message 973 of 1,094
Anonymous
Not applicable

EQ FICO Resilience Index Leaderboard - Sunday, March 21, 2021

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of Sunday, March 21, 2021

Breaking News

 

@CreditCuriosity leaves the infamous Very Sensitive group!

 

General Information about this score

  • New score factor information from FICO dated December 2020.
  • 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.

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

12-07-2020

 

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

LaHossBoss SO

40

0

40

02-26-2021

Throckmorton's Wife*

40

?

40

05-07-2020

Tonya-E

43

0

43

02-10-2021

MODERATE [45-59]

FiresOut

45

2

45

06-05-2020

LaHossBoss*

45

2

41

02-24-2021

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

Trudy

49

2

49

06-12-2020

Chris865 [OP]

52

2

52

05-23-2020

angelwingz

53

2

53

04-09-2020

CassieCard

53

2

53

03-11-2021

KLEXH25

53

2

53

07-26-2020

Credit4Growth

54

2

54

07-30-2020

Face_Value

54

2

54

10-17-2020

Mr_Mojo_Risin

54

2

54

03-05-2021

CreditAggie

56

2

56

03-05-2021

Flyingifr

56

2

56

07-21-2020

kilroy8

56

?

56

06-11-2020

TMB_

56

2

56

06-01-2020

mrsgrits

57

2

57

11-06-2020

mgood

58

2

55

02-27-2021

sarge12

58

2

58

03-09-2021

SENSITIVE [60-69]

joeyv1985

60

2

56

03-13-2021

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

CreditCuriosity*

68

3

68

02-22-2021

Dumbee

68

2

56

09-11-2020

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

12-07-2020

 

* 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 974 of 1,094
nwa479
Contributor

Re: EQ FICO Resilience Index Leaderboard - Sunday, March 21, 2021

Please add me to the list.   My resilience index is 49 with two red flags listed both under credit mix. 

 

1) High percentage of revolving accounts

2) Too many open credit cards. 

EQ score F8 is at 718.  


Starting Scores: 595 to 610 in Sept 2016
Current Scores: Fico8 EQ737 TU661 EX689 Fico9 EQ825 TU733 EX729 Mortgage Scores EQ671 TU660 EX660
Goal Score: Fico8s 750s Fico9s 800s Mortgage Scores above 680


Take the myFICO Fitness Challenge



Message 975 of 1,094
Chris865
Valued Member

Re: EQ FICO Resilience Index Leaderboard - Sunday, March 21, 2021

I climbed to 59!  I bought a truck... Smiley Very Happy




Message 976 of 1,094
Anonymous
Not applicable

EQ FICO Resilience Index Leaderboard - Wednesday, March 24, 2021

eq_res_logo.png

 

EQ FICO Resilience Index

 

Leaderboard as of Wednesday, March 24, 2021

Breaking News

 

Welcome @nwa479 ! 57th to join!


@Chris865 got a new truck and EQ-FRI didn't like it!?!
Especially Querulous FICO Resilience Index!

 

General Information about this score

  • New score factor information from FICO dated December 2020.
  • 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.

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

12-07-2020

 

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

LaHossBoss SO

40

0

40

02-26-2021

Throckmorton's Wife*

40

?

40

05-07-2020

Tonya-E

43

0

43

02-10-2021

MODERATE [45-59]

FiresOut

45

2

45

06-05-2020

LaHossBoss*

45

2

41

02-24-2021

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

angelwingz

53

2

53

04-09-2020

CassieCard

53

2

53

03-11-2021

KLEXH25

53

2

53

07-26-2020

Credit4Growth

54

2

54

07-30-2020

Face_Value

54

2

54

10-17-2020

Mr_Mojo_Risin

54

2

54

03-05-2021

CreditAggie

56

2

56

03-05-2021

Flyingifr

56

2

56

07-21-2020

kilroy8

56

?

56

06-11-2020

TMB_

56

2

56

06-01-2020

mrsgrits

57

2

57

11-06-2020

mgood

58

2

55

02-27-2021

sarge12

58

2

58

03-09-2021

Chris865 [OP]

59

2

52

03-24-2021

SENSITIVE [60-69]

joeyv1985

60

2

56

03-13-2021

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

CreditCuriosity*

68

3

68

02-22-2021

Dumbee

68

2

56

09-11-2020

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

12-07-2020

 

* 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 977 of 1,094
CreditAggie
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - Wednesday, March 24, 2021

My Citi Costco just reported and none of my FICO 8 scores changed. I'm still interested to see how the Resilience Index will change with two new cards reporting. 

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 978 of 1,094
Anonymous
Not applicable

Re: EQ FICO Resilience Index Leaderboard - Wednesday, March 24, 2021


@CreditAggie wrote:

My Citi Costco just reported and none of my FICO 8 scores changed. I'm still interested to see how the Resilience Index will change with two new cards reporting. 


@CreditAggie: Congratulations on getting that card! I just read your approval thread and noticed from your signature aging metrics that you're right around where I was when I got the card - even a similar EX F8 score! They double-pulled EQ/EX for me since it was one of my first 2 revolving accounts, and there were none on file at the time I applied online.

 

Also, I recently found out that, for me, Citi has been doing soft pull account reviews at all 3 CRAs on a regular basis. I saw them all on the full credit reports from annualcreditreport.com. I like that they do that! It just shows I'm using all 4 of my cards on a regular basis.

 

My approval was for $6500 (EX 748, no revolving accounts, 1 SSL on file, 1yr0mo credit file history), and then the next 2 SP CLIs at 6 month intervals were for $2500 each. The next 2 after that were for $1500 each, bringing the total cl to $14,500 at 2yr3mo since approval.

I think you'll see a pair of $2500 SP CLIs - or better - over the next year!

 

Waving the card to pay works at the gas pumps! That wasn't active for a while after I got the card, but I've been using it that way for months now. I've kept my Costco membership card in a drawer at home the whole time I've had this card.

 

I think you might lose at most 1-2 points when the new cards show up. My first EQ RES score was 53 with 1 recently approved card already on file with the other 2 (3 cards total). When AMEX finally showed up I lost 2 points with a 55 (4 cards on file), but I also had some accounts with balance changes too.

Message 979 of 1,094
CreditAggie
Senior Contributor

Re: EQ FICO Resilience Index Leaderboard - Wednesday, March 24, 2021


@Anonymous wrote:

@CreditAggie wrote:

My Citi Costco just reported and none of my FICO 8 scores changed. I'm still interested to see how the Resilience Index will change with two new cards reporting. 


@CreditAggie: Congratulations on getting that card! I just read your approval thread and noticed from your signature aging metrics that you're right around where I was when I got the card - even a similar EX F8 score! They double-pulled EQ/EX for me since it was one of my first 2 revolving accounts, and there were none on file at the time I applied online.

 

Also, I recently found out that, for me, Citi has been doing soft pull account reviews at all 3 CRAs on a regular basis. I saw them all on the full credit reports from annualcreditreport.com. I like that they do that! It just shows I'm using all 4 of my cards on a regular basis.

 

My approval was for $6500 (EX 748, no revolving accounts, 1 SSL on file, 1yr0mo credit file history), and then the next 2 SP CLIs at 6 month intervals were for $2500 each. The next 2 after that were for $1500 each, bringing the total cl to $14,500 at 2yr3mo since approval.

I think you'll see a pair of $2500 SP CLIs - or better - over the next year!

 

Waving the card to pay works at the gas pumps! That wasn't active for a while after I got the card, but I've been using it that way for months now. I've kept my Costco membership card in a drawer at home the whole time I've had this card.

 

I think you might lose at most 1-2 points when the new cards show up. My first EQ RES score was 53 with 1 recently approved card already on file with the other 2 (3 cards total). When AMEX finally showed up I lost 2 points with a 55 (4 cards on file), but I also had some accounts with balance changes too.


Thank you for the information! I love how tapping the Citi card at the gas pump picks up both payment and membership in the same tap. 

So it looks like my EQ Resilience Index might drop to a 57 or 58. One thing to note that seems to affect that score is the presence of installments, of which I have none. It looks like your file has one installment and 4 revolvers. Mine will have 5 revolvers. I'll be looking out for that with my next 3B pull. 

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 980 of 1,094
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