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FICO® Score Model

Estimate Your Credit Score

A detailed estimator based on the official FICO® scoring factors — no credit pull required. Answer all sections for the most accurate estimate.

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ESTIMATED SCORE
Answer all sections below
💳
Payment History
Most important factor · All accounts
35%
▼
Have you ever made a late payment on any account?
↳ Recent late payments have a much greater negative impact than older ones
Do you have any accounts in collections, charge-offs, or repossessions?
Do you have any bankruptcies or foreclosures on your record?
↳ Chapter 7 stays 10 years; Chapter 13 and foreclosures stay 7 years
📊
Amounts Owed & Utilization
Credit utilization · Balances vs limits
30%
▼
📅
Length of Credit History
Age of accounts · Credit tenure
15%
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🧩
Credit Mix
Types of credit accounts
10%
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🔍
New Credit & Inquiries
Hard pulls · Recent applications
10%
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