That's the reverse of FICO credit score ranges, where the higher a consumer's score is, the better. The resilience index runs on a scale from 1 to 99, with a lower score being better. 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. Why don’t I have a FICO® Resilience Index? FICO Resilience Index. Which consumers are most resilient according to the FICO® Resilience Index? FICO ® Resilience Index can be used by lenders as another input in credit decisions and account strategies across the credit lifecycle. It can be delivered with a credit file, just like a FICO Score. During times of economic uncertainty, people usually have trouble repaying their loans. FICO® Resilience Index is also conducive to portfolio stress The FICO Resilience Index doesn’t reduce the importance of your credit score. How does the FICO® Resilience Index work? What is the FICO® Resilience Index? In 2008, it was the great recession. It’s scaled from 1 to 99, with higher values representing higher sensitivity to financial stress. 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. 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. FICO Score — with adjustment factors tuned to the lender’s view of macroeconomic forecasts. How does the FICO® Resilience Index differ from a FICO® Score? Understanding credit scores, finding score versions and updating scores. 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.