Credit Score Estimator
Get an estimate of your credit score based on your financial habits
Credit Factors
Enter your credit information
Estimated Credit Score
Based on the information provided
0
Score Range
Poor
300-579
300-579
Fair
580-669
580-669
Good
670-739
670-739
Very Good
740-799
740-799
Excellent
800-850
800-850
Credit Score Factors
Understanding what affects your credit score
Payment History (35%)
The most important factor. Late payments, bankruptcies, and collections have a severe negative impact.
Credit Utilization (30%)
Keep your credit card balances low relative to their limits. Aim for less than 30%.
Length of Credit History (15%)
Longer credit history helps. Keep old accounts open if they have no annual fees.
Credit Mix (10%)
Having different types of credit (credit cards, loans, mortgage) can help your score.
New Credit (10%)
Opening several credit accounts in a short period indicates greater risk.
Derogatory Marks
Bankruptcies, collections, and charge-offs have a severe negative impact on your score.