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Credit Score calculator

Get a rough idea of how your payment history, credit utilisation and account age may affect your credit profile.

How it works Report a problem

Credit Score calculator

Enter your values below and press Calculate to see your result instantly.

Estimated FICO® Score
750
EXCELLENT
Your low utilization and solid history place you in the top tier of borrowers.

About the Credit Score calculator

Get a rough idea of how your payment history, credit utilisation and account age may affect your credit profile.

How to use the Credit Score calculator

  1. Choose your Payment History, from perfect to recent delinquency.
  2. Enter your Credit Utilization (%) and the Length of Credit (Years).
  3. Press Generate Credit Profile.

Formula and method

Credit scoring models weigh several factors. In the popular FICO model roughly 35% is payment history, 30% amounts owed (utilisation), 15% length of credit history, 10% new credit and 10% credit mix. This tool gives an approximate profile, not your real score.

Tips

  • Pay every bill on time. It is the single biggest factor.
  • Keep credit card balances below about 30% of the limit, and lower is better.
  • Check your official report for free from your country's credit bureaus.

Frequently asked questions

Is this my real credit score?
No. Only credit bureaus and lenders can provide an official score.