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