FICO® Resilience Index is also conducive to portfolio stress It doesn’t matter what the reason for the economic stress is – what matters is that most everyone is going to feel it to a certain extent. That's the reverse of FICO credit score ranges, where the higher a consumer's score is, the better. A score of 1-44 implies a “More Resilient” domestic, when a rating above 70 indicates a … FICO® Resilience Index Version 1.0 is most effective for account management and may be used selectively for account origination, particularly personal installment loans and mortgage lending. There’s a new risk measurement entering the world of credit lending and this one isn’t based on your past payment history. It’s scaled from 1 to 99, with higher values representing higher sensitivity to financial stress. In 2008, it was the great recession. FICO ® Resilience Index can be used by lenders as another input in credit decisions and account strategies across the credit lifecycle. How does the FICO® Resilience Index differ from a FICO® Score? The FICO Resilience Index doesn’t reduce the importance of your credit score. The new FICO Resilience Score is based on a scale of 1-99. getty. According to FICO, the FICO Resilience Index is a 1-99 scale, the place a decrease score is greater. It can be delivered with a credit file, just like a FICO Score. How does the FICO® Resilience Index work? FICO Resilience Index. Why don’t I have a FICO® Resilience Index? FICO Score — with adjustment factors tuned to the lender’s view of macroeconomic forecasts. During times of economic uncertainty, people usually have trouble repaying their loans. Understanding credit scores, finding score versions and updating scores. What is the FICO® Resilience Index? Lenders are still concerned with whether or not someone is a “good risk.” Even with a strong resilience number, you may find yourself getting turned down for loans or credit cards if you have a poor credit score. 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