§ Calculator · Personal

Credit-score self-assessment

What this is

Rough Equifax / TransUnion-style score estimate from 5 input questions.

Real score weights: payment history 35%, utilization 30%, length of history 15%, new credit 10%, credit mix 10%. This calculator uses the same weights to give a directional estimate.

Payment history

Credit utilization

Oldest account age (years)Hard inquiries (last 24 mo)

Credit mix

Estimated score

850

Band

excellent

Get your free real score: borrowell.com (Equifax), credit-karma.ca (TransUnion). Both pull soft inquiries (no hit to score) and update monthly.

Disclaimer

Educational, not financial advice. Output is generated by an AI assistant using simplified assumptions. Tax rates, contribution limits, and benefit amounts change annually; confirm with a CFP, CPA, or the relevant Canadian regulator (CRA, FSRA, OSC, IIROC) before acting.