Free Score Estimator

How much could your credit score improve?

Enter your current score and the negative items you have. We'll estimate how many points you could gain by disputing errors under the FCRA.

Takes 30 seconds. No account needed for the estimate.

Step 1 — Your Current Score

Current Credit Score 620 (Fair)

300 — Poor 580 — Fair 670 — Good 740 — Very Good 850 — Exceptional

Step 2 — Negative Items

Number of Negative Items 3

Not sure? Most people have 2–6 negative items.

Types of Negative Items Select all that apply

Late Payments +20–50 pts each

Collections +25–45 pts each

Charge-Offs +15–35 pts each

Hard Inquiries +5–10 pts each

Bankruptcies +30–80 pts each

Not Sure We'll use averages

Estimated Score Improvement

+0 – +0 pts

Based on your inputs

300 450 580 670 740 850

Current: 620

Projected: 700

What moves your score the most

Top 2 factors identified — full breakdown below

See your full item-by-item breakdown

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Full Item Breakdown

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