Why don’t I have a FICO® Resilience Index? FICO ® Resilience Index can be used by lenders as another input in credit decisions and account strategies across the credit lifecycle. The FICO Resilience Index doesn’t reduce the importance of your credit score. 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. The new FICO Resilience Score is based on a scale of 1-99. getty. It can be delivered with a credit file, just like a FICO Score. FICO Resilience Index. It’s scaled from 1 to 99, with higher values representing higher sensitivity to financial 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. FICO Score — with adjustment factors tuned to the lender’s view of macroeconomic forecasts. FICO® Resilience Index is also conducive to portfolio stress 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. The resilience index runs on a scale from 1 to 99, with a lower score being better. Understanding credit scores, finding score versions and updating scores. A score of 1-44 implies a “More Resilient” domestic, when a rating above 70 indicates a … According to FICO, the FICO Resilience Index is a 1-99 scale, the place a decrease score is greater. That's the reverse of FICO credit score ranges, where the higher a consumer's score is, the better. There’s a new risk measurement entering the world of credit lending and this one isn’t based on your past payment history. In 2008, it was the great recession. During times of economic uncertainty, people usually have trouble repaying their loans. 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