Credit Score Estimator
Answer 5 questions to estimate your FICO score range and see how to improve it
How consistently do you pay bills on time?
What % of your available credit are you using?
How long has your oldest credit account been open?
How varied are your types of credit?
How many credit applications have you made recently?
From the Blog
How Credit Scores Are Calculated
FICO scores — the most widely used credit scores — range from 300 to 850 and are calculated from five weighted factors. This estimator uses the same weights to give you a rough indication of your score range based on your answers.
| Factor | What it measures | Weight |
|---|---|---|
| Payment History | On-time payments vs missed/late | 35% |
| Credit Utilisation | Credit used ÷ credit available | 30% |
| Credit History Length | Age of oldest and newest accounts | 15% |
| Credit Mix | Variety of credit types held | 10% |
| New Credit | Recent hard enquiries and new accounts | 10% |
Disclaimer: CalculatorXP calculators are for informational purposes only and do not constitute financial advice. This is an estimate only — your actual score is calculated by credit bureaus and may differ. Check your actual score through your bank or a free credit monitoring service.