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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 factors · All accounts
35%
▼
Have you ever been late on a payment?
↳ Late payments can reduce your score for up to 7 years
How many late payments have you had (total)?
↳ Each late payment reduces your score slightly
Do you have any accounts in collections, charge-offs, or repossessions?
↳ Collections can reduce your score for up to 7 years
Have you ever filed for bankruptcy?
↳ Bankruptcy can reduce your score for up to 10 years
📊
Amounts Owed & Utilization
Credit utilization · Balances vs limits
30%
▼
📅
Length of Credit History
Age of accounts · Credit tenure
15%
▼
🧩
Credit Mix
Types of credit accounts
10%
▼
🔍
New Credit & Inquiries
Hard pulls · Recent applications
10%
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