Question 1 of 7~2 minutes
Payment History
In the last 12 months, how often have you paid bills on time?
Always on timeNever missed
Mostly on time1-2 late payments
Sometimes late3-5 late payments
Often late6+ late or collections
Credit Card Usage
How much of your total credit limit are you currently using?
Under 10%Excellent usage
10-30%Good usage
30-50%Moderate usage
Over 50%High usage
Credit History Length
How long have you had your oldest credit account?
10+ yearsExcellent history
5-10 yearsGood history
2-5 yearsBuilding
🆕Under 2 yearsNew to credit
Types of Credit
Which types of credit accounts do you have? (Select the closest)
Cards + Loans + MortgageFull mix
Cards + 1 LoanGood mix
Credit cards onlyLimited mix
1 account onlyVery limited
Recent Credit Applications
How many new credit applications have you made in the last 6 months?
NoneNo new inquiries
1⃣1 applicationMinimal impact
2⃣2-3 applicationsModerate impact
4+ applicationsHigh impact
Negative Marks
Do you have any of these on your credit report?
NoneClean record
Late payments only30-60 day lates
Collections/Charge-offsAccounts in collections
Bankruptcy/ForeclosureMajor derogatory
Total Debt (excluding mortgage)
Estimate your total outstanding debt (credit cards, loans, etc.)
Under $5,000Low debt
$5,000-$15,000Moderate
$15,000-$50,000Above average
Over $50,000High debt
Your Estimated Credit Score
300PoorFairGoodExcellent850
This is an estimate based on your answers. Your actual FICO score may vary. For your official score, check with your bank or AnnualCreditReport.com.
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