Credit Score Estimator

1. How many credit cards do you own?
I have never owned a credit card
1
2 to 4
5 or more

How long ago did you get your first credit card?
less than 6 months ago
between 6 months and 2 years ago
2 to 4 years ago
4 to 5 years ago
5 to 8 years ago
8 to 10 years ago
10 to 15 years ago
15 to 20 years ago
more than 20 years ago

2. When did you get your first loan? (i.e.,auto loan, student loan, home loan, etc.)
I have never had a loan
less than 6 months ago
between 6 months and 2 years ago
2 to 5 years ago
5 to 10 years ago
10 to 15 years ago
15 to 20 years ago
more than 20 years ago

3. How many credit cards or loans have you applied for in the last year?
0
1
2
3 to 5
6 or more

4. How recently have you opened a new loan or credit card?
less than 3 months ago
between 3 and 6 months ago
more than 6 months ago

5. How many of your loans and/or credit cards currently carry a balance?
0 to 4
5 to 6
7 to 8
9 or more

6. What is the total combined balances on all other loans and credit cards? Exclude Mortgage Loans
I have only mortgage loan(s)
Less than $500
$500 to $999
$1,000 to $2,500
$2,501 to $4,999
$5,000 to $9,999
$10,000 to $19,999
$20,000+

7. When were you more than 30 days late on a credit card or loan payment?
I have never missed a payment
in the past 3 months
3 to 6 months ago
6 months to 1 year ago
1 to 2 years ago
2 to 3 years ago
3 to 4 years ago
more than 4 years ago

If Yes, What is the most delinquent you have ever been on a credit card or loan payment?
30 days delinquent
60 days delinquent
90 days delinquent
more than 90 days delinquent
     (includes foreclosures, repossessions, and accounts referred to collection agencies)

8. How many of your credit cards and/or loans are currently past due?
0
1
2 or more

What are your total balances on all presently past due accounts?
Less than $250
$250 to $499
$500 to $4,999
$5,000+

9. What percent of your total credit card limits do your current credit card balances represent?
I have never had a credit card
0% to 9%
10% to 19%
20% to 29%
30% to 39%
40% to 49%
50% to 69%
70% to 89%
90% to 99%
100% or higher

10. Have you ever had any of the following negative financial situations in the past 10 years: foreclosure, bankruptcy, short sale, repossession, tax lien,or account sent to collections?
Yes
No

If so, how long ago did the most recent negative event occur?
1 to 2 years ago
2 to 3 years ago
more than 3 years ago

In order to use the Credit Score Estimator 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 credit score estimate.