Credit Score Estimator

Estimate your credit score range based on common scoring factors (payment history, utilization, age, new credit, and mix). For education only—this is not an official FICO® or VantageScore®.

On‑time payment rate (%)

% of payments made on time

Credit utilization (%)

% of total credit used

Average account age (years)

years

Hard inquiries (last 12 months)

inquiries

Account mix (check all that apply)

Revolving (credit cards)
Installment (personal/auto)
Mortgage
Student loan
Other loan

Derogatory marks

30‑day lates

60‑day lates

90+ day lates

Collections/Charge‑offs

Bankruptcies

This tool approximates general factor weights (~35% payment history, ~30% utilization, ~15% age, ~10% new credit, ~10% mix). It’s for guidance only and can’t replace an official score.

Estimated Credit Score

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Factor Breakdown

Payment history

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Amounts owed (util.)

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Length of history

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New credit

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Credit mix

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Personalized Tips

Adjust inputs and re‑estimate to see how behavior changes could impact your score range.