Credit Score Estimator
Estimate your credit score from payment history, utilization, credit age, mix, and inquiries.
By Konstantin Iakovlev · Updated September 2026 · Source: myFICO — What's in my FICO Scores (category weights)
Estimated Credit Score
768
Very Good
Score Range
300 — 850
FICO Score Range
Factor Breakdown
| Payment History (35% weight) | 100/100 |
| Credit Utilization (30% weight) | 80/100 |
| Credit Age (15% weight) | 70/100 |
| Credit Mix (10% weight) | 70/100 |
| Recent Inquiries (10% weight) | 85/100 |
This is an estimate based on general FICO scoring factors. Your actual credit score may differ based on the specific details of your credit report.
Use the Credit Score Estimator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Knowing roughly where your credit score stands before you apply for anything new puts you in a stronger position. A score estimate gives you a snapshot of how lenders are likely to view you, which translates directly into the rates and terms you can expect on a loan. Use it as a pre-check rather than a substitute for your official report.
The estimate runs on a weighted model drawn from established credit scoring methodologies: Payment History (35%), Credit Utilization (30%), Length of Credit History (15%), Credit Mix (10%), and New Credit Inquiries (10%). The weights show up in real behavior—carrying balances above 30% of your card limits drags the estimate down, while a track record of on-time payments lifts it the most of any single factor.
Two habits do outsized damage. Applying for several new accounts in a short span generates inquiries that each nick your score temporarily, and even one missed payment can leave a mark that lingers for years. On the other side, keeping your credit utilization below 10% is where the model rewards you most, so that's the lever worth pulling first.
Example: John's Credit Score Estimation
- 1 Input: John has never been 30+ days late, uses 20% of his credit limits ($2,000 of $10,000), has an average account age of 8 years, holds 2 accounts (one credit card and one auto loan), and has 1 hard inquiry in the last two years.
- 2 Factor scores (out of 100) times their weights: payment history 100 × 35% = 35.0; 20% utilization scores 80 × 30% = 24.0; an 8-year average age scores 85 × 15% = 12.75; 2 accounts score 50 × 10% = 5.0; 1 inquiry scores 85 × 10% = 8.5. Weighted total: 85.25 out of 100.
- 3 Estimated score: 300 + 0.8525 × 550 = 768.9, rounded to 769, in the Very Good band (740-799).
- 4 The weak spot is credit mix: with only two accounts the model scores it 50 and suggests adding a different type of credit over time. Bringing utilization to 10% or less would lift that factor to 100 and the estimate to 802. This is a rough model built on FICO's published category weights, not an actual FICO Score.
Source: myFICO — What's in my FICO Scores (category weights) · Last updated: September 2026
Frequently Asked Questions
What factors affect my credit score?
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