Free tool · no account needed
Estimate your credit score in 6 questions.
Answer six multiple-choice questions about your credit habits. You’ll get an estimated score range, the band it falls in and the factors worth working on first.
An educational estimate based only on your answers. It isn’t a VantageScore® or FICO® Score and doesn’t check your credit report, so it has no effect on your score.
How it works
What the estimator looks at.
- 01
Payment history
Late payments in the last two years weigh the most, just like in real scoring models.
- 02
Utilization
How much of your card limits you use. Lower is better; under 10% is strongest.
- 03
Age and mix
How long you’ve had credit and how many accounts you have open.
- 04
Negatives and inquiries
Collections, charge-offs, bankruptcies and recent applications.
Beyond the estimate
See your actual scores from all three bureaus.
3 bureaus, separately
Storehouse shows your VantageScore® 3.0 score from Experian, Equifax and TransUnion side by side.
Soft inquiry
Viewing your own credit in Storehouse doesn’t affect your score.
What’s holding you back
Credit Intelligence ranks the factors behind each score so you know where to start.
FAQ
Frequently asked questions.
It’s a rough guide. It uses your answers, not your credit report, and real scoring models look at far more detail. Treat the range as a starting point, not a number to rely on for a credit decision.
No. It’s an educational estimate from a simple model. Storehouse members see VantageScore® 3.0 scores from each bureau; lenders may use FICO® Scores or other models.
No. The estimator doesn’t access your credit report at all. And viewing your own credit in Storehouse is a soft inquiry that doesn’t affect your score either.
If your file is thin (a very young oldest account or only one open account), scores are harder to predict, so the estimator shows a wider range.
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Credit Monitoring
Your actual scores, all 3 bureaus.
VantageScore vs FICO
Why your numbers differ.
Ready to see the real numbers?
Your scores from all three bureaus, side by side, plus what to work on first.
Plus: 30 days free, then $59.99/mo. Today’s total is $0.00. Card required up front. You’ll be charged $59.99/mo when the 30-day trial ends unless you cancel before then. Cancel anytime. New members only. Checking your own credit in Storehouse is a soft inquiry and doesn’t affect your score.