Credit Score Calculator

Get an estimated credit score and personalized recommendations to improve your credit

Basic Info
Payment History
Credit Usage
Accounts & Mix

Basic Information

Let's start with your location and credit bureau preference

Credit scoring systems differ between countries
Different bureaus may calculate scores differently

Payment History

Your payment history is the most important factor (35% of score)

This reflects your typical payment behavior
times
30+ days late in last 2 years
filed
In the last 10 years
accounts
Total collections accounts

Payment history has the biggest impact on your credit score. Even one missed payment can significantly lower your score.

Credit Utilization

How much credit you use vs. available credit (30% of score)

$
Sum of all credit card limits
$
Current total balances
Current Utilization: 0%
Excellent
<10% Good
<30% Fair
<50% Poor
>50%

Credit History & Mix

Age of accounts (15%) and types of credit (10%)

months
How old is your oldest account?
months
Average age of all accounts

Credit Accounts

Credit checks for new accounts
Recently opened accounts

Disclaimer: This calculator provides estimates based on general credit scoring models. Actual credit scores from bureaus like Equifax, Experian, or TransUnion may differ. Use this tool for educational purposes only.