Financial Calculators
Credit Score Calculator
Try our free and easy to use credit score calculator. Use it to estimate what your FICO credit score might be.
credit score calculator
Have you had a credit card or loan for at least 6 months?
How many years ago did you get your first credit card or loan? (0 to 80)
Checkmark each type of credit account or loan that you have on your credit report, whether open or closed.
How many times have you applied for credit in the last year?
When did you last miss a payment on any of your credit accounts?
What is your total credit limit? (Add up the credit limits on all your credit card accounts.)
$
What is your current total credit balance? (Add up the balances on all your credit card accounts.)
$
Have you ever had any of the following negative events listed on your credit report? (Bankruptcy, foreclosure, repossession of property, tax lien, collection agency referral, or other negative report.)
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Table of contents
◦The Ultimate Guide to Credit Score Calculators: Improve Your Financial Health |
◦Credit score ranges |
◦How to use a credit score calculator |
◦Tips to improve credit scores |
◦FAQ - Frequently asked questions |
◦Try our free credit score calculator |
The Ultimate Guide to Credit Score Calculators: Improve Your Financial Health
Credit scores are a crucial aspect of personal finance, influencing everything from loan approvals to interest rates. Understanding your credit score is essential to maintaining and improving your financial health. A credit score calculator can help you estimate your credit score and identify areas for improvement. This article will guide you through the ins and outs of credit score calculators and how to use them effectively.
Factors that influence credit scores
Credit score ranges
Credit scores typically fall into four categories: poor, fair, good, and excellent. These ranges are critical in determining your eligibility for loans, interest rates, and other financial products.
How to use a credit score calculator
Tips to improve credit scores
FAQ - Frequently asked questions
It's recommended to check your credit score at least once a year to ensure accuracy and detect any potential errors or signs of identity theft. However, if you're working on improving your credit or preparing for a significant financial event, such as applying for a loan or mortgage, you may want to check your credit score more frequently, such as quarterly or even monthly.
No, checking your credit score does not hurt your credit rating. When you check your credit score, it's considered a "soft inquiry," which doesn't affect your credit score. "Hard inquiries," which occur when you apply for credit, can temporarily lower your credit score, but soft inquiries do not have any impact on your credit rating.
The length of time negative items remain on your credit report depends on the type of negative information. Late payments, for example, typically stay on your credit report for seven years from the date of the missed payment. Bankruptcies can remain on your report for seven to ten years, depending on the type of bankruptcy filed. Unpaid tax liens can stay on your report indefinitely, while paid tax liens are removed after seven years. Collection accounts typically remain on your report for seven years from the date of the original delinquency.
The three major American credit agencies, also known as credit bureaus, are Equifax, Experian, and TransUnion. These agencies collect and maintain credit information on millions of consumers and provide credit reports to lenders and other authorized users.
There are several tools available to help you monitor your credit. Some popular options include:
Try our free credit score calculator
Understanding and monitoring your credit score is vital for maintaining good financial health. By using a credit score calculator, you can estimate your credit rating and identify areas for improvement. Take control of your financial future by incorporating these tips and make informed decisions to improve your credit score.
Article author
John Cruz
John is a PhD student with a passion to mathematics and education. In his freetime John likes to go hiking and bicycling.
Credit Score Calculator English
Published: Mon Mar 06 2023
In category Financial calculators
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