The FICO Resilience Index recently launched as a companion to the traditional FICO credit score. There are 10 types of childhood trauma measured in the ACE Study. This scale is different from FICO’s traditional credit scoring model, which produces credit scores ranging from 300 to 850, and where higher is better. Unlike the FICO® Score, which ranges from 850 to 300, the FICO® Resilience Index outlines a scale from 1-99. The Resilience Index is meant to be used as a companion to standard credit reports, and could serve as a sort of “tiebreaker” if a loan approval based on typical lending standards is on the fence. The FICO Resilience Index is a new type of credit score designed to help lenders better evaluate credit risk in today’s uncertain economy. Five are personal -- physical abuse, verbal abuse, sexual abuse, physical neglect, and emotional neglect. The resilience index runs on a scale from 1 to 99, with a lower score being better. (and Your Resilience Score?) According to FICO's website , a rating of 1 to 44 on the Resilience Index indicates you're “more resilient,” meaning you’re well prepared to handle the economic downturn. That's the reverse of FICO credit score ranges, where the higher a consumer's score is, the better. Check out our infographic for a quick overview, then keep reading for everything you need to know about this new FICO Resilience Index. What's Your ACE Score? 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’s scale provides an additional layer of insight to help more accurately capture the resilience of a consumer and empower lenders to provide access to credit during difficult economic times. As FICO describes it, “The FICO Resilience Index is not designed to measure consumers’ current credit risk, but rather to predict consumers’ resilience in the event of an economic downturn.” It can be delivered with a credit file, just like a FICO Score. It’s scaled from 1 to 99, with higher values representing higher sensitivity to financial stress. FICO has updated how it calculates credit scores from time to time, with varying impact on people’s credit scores, but this time, FICO has introduced a whole new score: The FICO Resilience Index.