FICO® Scores Estimator & Calculator

Free Credit Score Estimator: Get Your Estimated FICO® Scores Range

  • 1.
  • 1. How many credit cards do you have?

We cannot estimate your FICO® Score

In order to get your FICO® Credit Score Estimate you must have at least one account which has been open for six months or more. This requirement is designed to ensure that there is sufficient recent information to provide a robust and accurate FICO® Score estimate.
  • 2.
  • 2. How long ago did you get your first loan? (i.e., auto loan, mortgage or student loan, etc.)
  • 3.
  • 3. How many loans or credit cards have you applied for in the last year?
  • 4.
  • 4. When was the last time you opened a new loan or credit card?
  • 5.
  • 5. How many of your loans and/or credit cards currently have a balance?
  • 6.
  • 6. Besides any mortgages, what is the total balance on all your loans and credit cards combined? ^ example
    As an example, let's say you have two accounts:
    • One auto loan with balance of $7,000
    • One credit card with balance of $1,500
    Your total balances on all non-mortgage accounts would be: $8,500 ($7,000 + $1,500).
  • 7.
  • 7. When did you last miss a loan or credit card payment?
  • 8.
  • 8. How many of your loans and/or credit cards are currently past due?
  • 9.
  • 9. What percent of your total credit card limits do your credit card balances represent? ^ example
    As an example, let's say you have two credit cards:
    • One with balance of $273 and limit of $1,000
    • One with balance of $737 and limit of $4,000
    Your total credit card balances would be $1,010 ($273 + $737), your total credit limits would be $5,000 ($1,000 + $4,000), and the percent of your total credit limits that your credit card balances represent are: $1,000 divided by $5,000, or 20%.
  • 10.
  • 10. In the last 10 years, have you ever experienced bankruptcy, repossession or an account in collections?
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1. How many credit cards do you have?

I have never had a credit card
2 to 4
5 or more

2. How long ago did you get your first loan?

(i.e., auto loan, mortgage, student loan, etc.)

Your FICO® Scores And You

FICO® Scores are the most widely used credit scores

When you apply for credit – whether for a credit card, a car loan, or a mortgage – lenders want to know what risk they’d take by loaning money to you.

FICO® Scores are the credit scores most lenders use to determine your credit risk. You have FICO® Scores from each of the three credit bureaus—Experian, Equifax and TransUnion. Each score is based on information the credit bureau keeps on file about you. As this information changes, your credit scores tend to change as well.

Your FICO® Scores affect both how much and what loan terms (interest rate, etc.) lenders will offer you at any given time.

Taking steps to get your FICO® Scores in the higher ranges can help you qualify for better rates from lenders.

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*IMPORTANT INFORMATION: Your subscription will automatically renew monthly at $29.95 unless you cancel. You may cancel at any time; however partial month refunds are not available. All FICO® Score products made available on include a FICO® Score 8, and may include additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more about other FICO Score versions.

Not all credit report data is monitored. Monitored credit report data, monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more.

myFICO is the consumer division of FICO. Since its introduction over 25 years ago, FICO® Scores have become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use FICO Scores to make consumer credit decisions.

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