See roughly where your credit stands based on the five factors that shape a FICO score.
This calculator produces an educational FICO-style score estimate by weighting the five factors that drive real scores: payment history, credit utilization, account age, credit mix, and new credit.
FICO scores weight payment history at about 35 percent and credit utilization at about 30 percent, making those two factors the most powerful levers. The length of your credit history counts for roughly 15 percent, while credit mix and new credit each contribute about 10 percent. This tool applies those same weights to the inputs you enter so you can see which habits move the needle most.
Because real scoring models use detailed data from your credit reports, this estimate cannot match your exact FICO or VantageScore number. It is meant to show direction and priorities, such as how lowering utilization or avoiding new inquiries could help. Check your actual score and reports through your card issuer or annualcreditreport.com before making decisions. Not financial advice.
No, it is an educational estimate based on the five FICO factors and will not match the exact number lenders pull.
Paying on time and keeping utilization low matter most, since together they make up about 65 percent of the score.
Each hard inquiry can lower your score slightly for a short time, and several in a row have a larger effect.
See the exact formula and a worked example on our methodology page.