Free Credit Score Calculator

Credit Score Calculator

Free & Comprehensive - Estimate your credit score based on FICO factors with detailed analysis and personalized improvement recommendations

Credit Profile

On-time payments: 95%
Utilization rate: 15%

Credit Score Tips:

• Pay all bills on time for the biggest impact

• Keep credit utilization below 30% (ideally under 10%)

• Don't close old credit accounts unnecessarily

Credit Score Analysis

Enter your credit profile details to estimate your score

Get personalized recommendations and improvement timeline

Why Use Our Credit Score Calculator?

FICO Factor Analysis

Understand how each of the five FICO factors affects your credit score with detailed component breakdowns and weightings.

Personalized Recommendations

Get specific, actionable recommendations based on your credit profile to improve your score effectively.

Improvement Timeline

See realistic timelines for credit score improvements with immediate, short-term, and long-term action plans.

What-If Scenarios

Explore how different actions could impact your credit score and prioritize the most effective improvements.

Frequently Asked Questions

This calculator provides an educational estimate based on FICO scoring factors. Actual scores may vary as each bureau uses proprietary algorithms. Use this as a guide to understand factors affecting your score.