Credit Score Estimator
Educational estimate based on FICO 5 scoring factors. No personal data is collected or transmitted.
Payment History 35%
Whether you pay bills on time
Credit Utilization 30%
% of available credit currently used
Good. Under 30% is recommended.
Credit Age 15%
Average age of your credit accounts
Account Mix 10%
Variety of credit types (cards, loans, mortgage)
New Credit / Inquiries 10%
Hard inquiries in the last 2 years
A few inquiries — normal for credit shopping.
Estimated Credit Score
603
Fair
FICO range: 300–850
Score Ranges
Factor Breakdown
About
The Credit Score Estimator calculates an estimated score range (300–850) based on the five factors used in FICO scoring: Payment History (35%), Credit Utilisation (30%), Length of Credit History (15%), Credit Mix (10%), and New Credit (10%). This is an educational tool — actual scores depend on your full credit report and the specific model used by a lender.
How to use
- 1 Adjust the Payment History slider — missed payments lower your score significantly.
- 2 Set your Credit Utilisation — keeping it below 30% is recommended.
- 3 Enter the age of your oldest credit account in years.
- 4 Select how many types of credit you have (cards, loans, mortgage, etc.).
- 5 Enter recent hard enquiries (credit applications in the last 2 years).
- 6 Your estimated score range and band (Poor / Fair / Good / Very Good / Exceptional) appear instantly.
- What is the most important factor in a FICO credit score?
- Payment history is the single most important factor, accounting for 35% of your FICO score. Even one missed payment can significantly lower your score, and the impact is greater the more recent the missed payment. Consistently paying all bills on time — even the minimum payment — is the most effective thing you can do to build or maintain a good score.
- What credit utilisation ratio should I aim for?
- Financial experts generally recommend keeping your overall credit utilisation below 30% — ideally below 10% for the best scores. Utilisation is calculated as your total credit card balances divided by your total credit limits. For example, if you have a $10,000 limit and a $2,500 balance, your utilisation is 25%. Paying down balances or requesting a credit limit increase both reduce utilisation.
- Does checking my own credit score hurt my credit?
- No. Checking your own credit score is a soft inquiry and has no impact on your score. Only hard inquiries — initiated by lenders when you apply for credit — can temporarily lower your score by a few points. Multiple hard inquiries for the same type of loan (mortgage, auto) within a short window (14–45 days) are typically counted as a single inquiry by credit scoring models.