Free Credit Score Calculator
Takes 30 seconds • Get an instant FICO-style credit score estimate • Includes full FICO factors + FICO vs VantageScore comparison + loan qualification guide
Percentage of on-time payments (35% of FICO score)
How much of your available credit you’re using (30% of FICO score)
Age of your oldest account in years (15% of FICO score)
1 = Poor mix • 10 = Excellent mix (10% of FICO score)
Number of recent applications/inquiries (10% of FICO score)
Poor
Fair
Good
Very Good
Excellent
Actual scores from Equifax, Experian, or TransUnion may vary slightly.
What Are the 5 FICO Score Factors?
Your FICO credit score (300–850) is calculated using five weighted factors. This calculator uses the exact same weights used by FICO.
Payment History
Whether you pay your bills on time. Late payments, collections, and bankruptcies hurt this the most.
Amounts Owed (Credit Utilization)
How much of your available credit you are using. Keeping it under 30% is ideal.
Length of Credit History
How long you’ve had credit accounts open. Older is better.
Credit Mix
The variety of credit types you have (cards, loans, etc.).
New Credit & Inquiries
Recent applications or new accounts. Too many can hurt your score.
FICO Score vs VantageScore: Key Differences (2026)
Many lenders use both scoring models. Here’s how they compare:
| Factor | FICO Score (Weight) | VantageScore 4.0 (Weight) | Key Difference |
|---|---|---|---|
| Payment History | 35% | 40% | VantageScore weighs it slightly more |
| Credit Utilization / Amounts Owed | 30% | 20% | FICO penalizes high utilization more heavily |
| Length of Credit History | 15% | 21% | VantageScore favors longer history more |
| Credit Mix | 10% | 11% | Very similar |
| New Credit & Inquiries | 10% | 8% | FICO is stricter on recent inquiries |
| Minimum History Required | 6 months | 1 month | VantageScore is more lenient for new borrowers |
Tip: If you have a thin credit file (few accounts or short history), you may get a better score with VantageScore than FICO.
Loan Qualification Guide (April 2026)
Use your estimated score to see which loans you are most likely to qualify for and the typical rates you can expect.
| Your Score | Rating | Best Loan Options | Typical APR Range | Max Loan Amount (Typical) |
|---|---|---|---|---|
| 800+ | Excellent | Premium personal loans, credit unions, bank loans | 6% – 12% | $50,000 – $100,000+ |
| 740–799 | Very Good | Personal loans, installment loans | 7% – 20% | $30,000 – $75,000 |
| 670–739 | Good | Most personal & installment loans | 10% – 36% | $15,000 – $50,000 |
| 580–669 | Fair | Installment loans, some bad-credit personal loans | 36% – 150% | $5,000 – $25,000 |
| 300–579 | Poor | Payday loans, short-term installment, cash advances | 99% – 400%+ | $500 – $5,000 |
Note: Actual approval and rates depend on your full credit report, income, debt-to-income ratio, and state laws. Use this as a helpful guide only.