Estimates your credit score based on factors like payment history, amounts owed, length of credit history, credit mix, and new credit.
Start with your values, or try a preset.
Enter Payment History (Percentage of on-time payments), Amounts Owed (Credit Utilization Ratio - Percentage of available credit used), Length of Credit History (Years), Credit Mix (Number of different credit accounts), and New Credit (Number of recent credit inquiries) in the units shown.
Read New Credit Score, Credit Mix Score, Credit History Length Score, Amounts Owed Score, Payment History Score, Estimated Credit Score, and Credit Score Category in the results panel. Results update as you change the inputs.
Choose a preset to load an example, then adjust the values for your situation.
See the inputs and their calculated results.
Payment History (Percentage of on-time payments): 98 %; Amounts Owed (Credit Utilization Ratio - Percentage of available credit used): 10 %; Length of Credit History (Years): 15 years; Credit Mix (Number of different credit accounts): 4; New Credit (Number of recent credit inquiries): 0
New Credit Score: 25; Credit Mix Score: 40; Credit History Length Score: 75; Amounts Owed Score: 157.5; Payment History Score: 343; Estimated Credit Score: 640.5; Credit Score Category: Poor
Payment History (Percentage of on-time payments): 90 %; Amounts Owed (Credit Utilization Ratio - Percentage of available credit used): 25 %; Length of Credit History (Years): 8 years; Credit Mix (Number of different credit accounts): 3; New Credit (Number of recent credit inquiries): 1
New Credit Score: 20; Credit Mix Score: 30; Credit History Length Score: 40; Amounts Owed Score: 131.25; Payment History Score: 315; Estimated Credit Score: 536.25; Credit Score Category: Very Poor
Payment History (Percentage of on-time payments): 80 %; Amounts Owed (Credit Utilization Ratio - Percentage of available credit used): 40 %; Length of Credit History (Years): 5 years; Credit Mix (Number of different credit accounts): 2; New Credit (Number of recent credit inquiries): 2
New Credit Score: 15; Credit Mix Score: 20; Credit History Length Score: 25; Amounts Owed Score: 105; Payment History Score: 280; Estimated Credit Score: 445; Credit Score Category: Very Poor
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