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Credit Score Calculator

Estimate your credit score based on key factors

Credit Score Factors
Rate each factor from 0-100 to estimate your credit score
35% weight

How consistent are you with making payments on time?

30% weight

Lower is better. How much of your available credit are you using?

15% weight

How long have you had credit accounts? Higher is better.

10% weight

Do you have different types of credit (cards, loans, etc.)?

10% weight

Lower is better. How many new credit accounts have you opened recently?

Credit Score Estimate
Your estimated credit score based on the factors provided

Rate each credit factor to see your estimated credit score

Understanding Credit Scores
Learn about the factors that affect your credit score

Payment History (35%)

The most important factor. Making payments on time consistently has the biggest positive impact on your score.

Credit Utilization (30%)

Keep your credit card balances below 30% of your available credit limits for optimal scoring.

Credit Age (15%)

Longer credit history generally results in higher scores. Keep older accounts open when possible.

Credit Mix (10%)

Having different types of credit (credit cards, loans, mortgage) can positively impact your score.

New Credit (10%)

Opening multiple new credit accounts in a short period can temporarily lower your score.

Score Ranges

800+ Exceptional, 740-799 Very Good, 670-739 Good, 580-669 Fair, Below 580 Poor