Credit Score Estimator: Estimate Your Credit Score Range (Free)
Credit Score Estimator: See Where Your Credit May Stand.
Your Credit Profile
Use your best knowledge. Nothing you enter is saved or sent.
Your Estimate
An educational range, not your official score.
What Is a Credit Score?
A credit score is a three-digit number, usually between 300 and 850, that summarizes how risky you look to a lender. Lenders use it to decide whether to approve you and what interest rate to offer. A higher score generally means lower borrowing costs, which you can see with our Loan Calculator.
The 5 Factors Behind Your Score
| Factor | Weight | What it looks at |
|---|---|---|
| Payment history | 35% | Whether you pay on time |
| Amounts owed | 30% | How much of your credit limits you use |
| Length of history | 15% | Age of your oldest and average accounts |
| New credit | 10% | Recent applications and new accounts |
| Credit mix | 10% | Variety of cards and loans |
These are the weights FICO publishes for its scores. Other scoring models weigh factors differently, which is why your score can vary by source.
Score Ranges
| Range | Rating |
|---|---|
| 300 – 579 | Poor |
| 580 – 669 | Fair |
| 670 – 739 | Good |
| 740 – 799 | Very good |
| 800 – 850 | Exceptional |
How to Check Your Real Credit Score and Reports
- Your credit reports: you can get free reports from the three major bureaus at AnnualCreditReport.com, the official site. Review them for mistakes.
- Your score: many banks and card issuers show a free score in their app or statement. Checking your own score is a soft inquiry and does not lower it.
- Disputes: if you find an error, you can dispute it directly with the credit bureau and the company that reported it.
7 Habits That Build Better Credit
- Pay every bill on time. Set up autopay for at least the minimum.
- Keep card balances low, ideally under 30% of each limit, and lower is better.
- Keep old accounts open when they have no annual fee.
- Apply for new credit only when you need it.
- Check your reports regularly for errors or accounts you do not recognize.
- Be patient: negative items lose weight over time, and late payments can stay on your report for up to seven years.
- Consider a free credit freeze if you are worried about identity theft.
Explore: Four Ways to Build Better Credit
Each tip answers a different question. Select one.
On-time payments. Payment history is the biggest factor, at 35% in the model above. Set up autopay for at least the minimum, and change your payment history in the estimator to see how much it moves the result.
Low balances. Amounts owed make up 30% of the model. Keeping card balances low compared with your limits, ideally under 30% and lower is better, helps this factor. Try different balances in the estimator.
Account age. A longer history helps. Keep old accounts open when they have no annual fee, because closing one can lower your available credit and reduce your average account age over time.
New credit. Each application can add a hard inquiry. Apply only when you need credit, and space out applications when you can.
Check Your Credit Goal
Educational only. Nothing is collected or stored. Tap all that apply.
Select one or more options to see general educational prompts.
Quick Quiz: Do You Know How Credit Scores Work?
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Frequently Asked Questions
Is this my real credit score?
No. It is an educational estimate from the answers you enter. Your actual score depends on the data in your credit reports and the scoring model a lender uses.
Does using this tool affect my credit?
No. It does not check your credit and does not store or send what you type.
Why did my estimate change when I edited one answer?
Each factor has a different weight. Payment history and amounts owed together make up about two-thirds of the model, so changes there move the estimate the most.
How long does it take to improve a score?
Lower card balances can help within a billing cycle or two. Building payment history and account age takes longer, often many months or years.
Does closing a credit card hurt my score?
It can. Closing a card lowers your total available credit, which can raise your utilization, and it may reduce the average age of your accounts over time.
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