Fico Resilience Score went down

[expatCanuck]

@805orbust 

Here's another  FICO 2 data point for you.  Utilization matters more w/ FICO 2 than with FICO 8.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/FICO-2-data-point/td-p/6602661/jump-to/f...

[805orbust]

Ok @Zoostation1 if you Don't mind me asking, what's your AAoA, age of each card, and the limits on each. I think we're onto something here. I would be interested to see what happens when the new card reports and the new score is resolved.

I've previously heard that the Resilience score is optimized for 3 cards. Thise who have more card score lower. It also does not track with any of the other models AFAIK. 

Shout out to you @expatCanuck for the link to the DP.

[Zoostation1]

Oldest account 10 mo $1800 limit,  youngest 7 mo $3500 limit, but was $2000 at report pull. AAoA 9mo.  Newest is card not reporting yet with $3000 limit.

[Jeffster1]

Down to 48. I'm not complaining. 🤣

[Zoostation1]

When my 3rd card started reporting my first update on resillience score went back to 63 again right where it was a few months prior.  My reason codes have never changed at all. Looks to me like the resillience score doesn't like inquiries and new accounts.

[Revelate]

There was a great and fun thread I think started by @Remedios in Gen Cred from a few years back when they introduced that score.  General consensus is it really didn't make any sense and FICO is as FICO does.

Worth a read if it can be found.

[Adkins]

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@Revelate wrote:

There was a great and fun thread I think started by @Remedios in Gen Cred from a few years back when they introduced that score.  General consensus is it really didn't make any sense and FICO is as FICO does.

Worth a read if it can be found.

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Are you referring to this one,  @Revelate?

[Revelate]

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@Adkins wrote:

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@Revelate wrote:

There was a great and fun thread I think started by @Remedios in Gen Cred from a few years back when they introduced that score.  General consensus is it really didn't make any sense and FICO is as FICO does.

Worth a read if it can be found.

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Are you referring to this one,  @Revelate?

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Looks like it now, I was remembering the Leaderboard posts but looks like they all got merged into one monster thread hah.  Thanks!

Am guilty of doing that once upon a time too with the NASA FOTM threads.

[vicky3vicky]

What is the FICO resilliencce score? Do you need to pay for it? If not, how do I find it?

[Adkins]

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@vicky3vicky wrote:

What is the FICO resilliencce score? Do you need to pay for it? If not, how do I find it?

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You can find information about the score here. The score is available from myFICO when you've purchased a 3B report.