Credit Score CalculatorGet Your Estimate Today
Estimate your credit score with our easy-to-use calculator. Understand the key factors that impact your credit and get personalized tips for improvement.
Estimate Your Score
This calculator provides an estimate only. For your actual credit score, check with the major credit bureaus or use a credit monitoring service.
Understanding the Calculator & Credit Factors
How to Use the Calculator
Select the option that best describes your situation for each of the three major credit score factors listed. Click the "Calculate Estimated Score" button to see an approximate score based on your selections. Remember, this is a simplified estimate and doesn't include all factors that influence your real credit score.
Payment History (Weight: 35%)
This is the most critical factor. It reflects whether you've paid past credit accounts on time. Late payments, collections, or bankruptcies significantly lower your score. Consistently paying bills on time is the best way to improve this factor.
- Excellent: No history of late payments (30+ days).
- Good: Only one or two instances of late payments.
- Fair: Several late payments reported.
- Poor: Numerous late payments, accounts sent to collections, or a bankruptcy filing. (See our guides on Debt Validation Guide and use the Letter Generator to dispute potential errors).
Credit Utilization (Weight: 30%)
This measures how much of your available revolving credit (like credit cards) you're currently using. Keeping balances low compared to your credit limits is best. High utilization suggests you might be overextended. Learn more in our Guide to Credit Utilization.
- Excellent: Using less than 10% of your total available credit.
- Good: Using 10% to 29% of your available credit.
- Fair: Using 30% to 49% of your available credit.
- Poor: Using 50% or more of your available credit. (Focus on paying down balances!).
Credit History Length (Weight: 15%)
This considers the average age of all your credit accounts and the age of your oldest account. A longer credit history generally improves your score, showing lenders you have more experience managing credit over time. Avoid closing old, unused accounts unnecessarily.
- Excellent: Average account age is 7 years or more.
- Good: Average account age is 4 to 6 years.
- Fair: Average account age is 2 to 3 years.
- Poor: Average account age is less than 2 years. (Consider tools like Secured Cards or credit builder loans to establish history).
Note: Other factors like Credit Mix (having different types of credit) and New Credit (recent applications or new accounts) also contribute about 10% each to typical credit scores but are simplified in this calculator.