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
Fair
580-669
Good
670-739
Very Good
740-799
Excellent
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.