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What moves my credit score, and by how much?
Enter where you are and where you want to be. The score is illustrative, not what a bureau would report.
Sample numbers. Change any field to use yours.
Your result
Fill in the fields to see your result.
Written by Elizabeth Stein
Five, with these weights: payment history 35%, credit utilization 30%, credit age 15%, credit mix 10% and new credit 10%. You enter a current profile and a target profile, and the lab shows each factor and an estimated time to improve it.
No. It is an illustrative score built from the five factors above, not what a credit bureau would report. Use it to see which factor moves the result most, then check your real score and reports with the bureaus.
The share of your available credit that you are using: a $1,500 balance on a $5,000 limit is 30%. Lower is better, and there is no single cutoff. The credit utilization lab calculates it card by card and overall.