Free tool

Credit Score Estimator

A rough band estimate based on five inputs. This is a heuristic, not your real FICO — for that, check your bank's free score.

Total balances ÷ total credit limits. Under 10% is ideal.

Estimated band

—

Why it matters

Better bands unlock better rates — every 20 points can be worth tens of thousands of dollars over a 30-year mortgage.