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Credit Assessment Calculator

Use this calculator to assess your credit. After entering your information, your credit is assessed as 'Good', 'Fair' or 'Needs Improvement'. Press the report button for more information about what this assessment means to you.

Credit Assessment: CREDIT_ASSESSMENT_MESSAGE

Summary

CREDIT_ASSESSMENT_DESCRIPTION

**GRAPH**

Your Credit Assessment Inputs
Late payments
30 to 59 days
60 to 89 days
more than 90 days
Consumer loans
LOAN_PAYMENTS_30
LOAN_PAYMENTS_60
LOAN_PAYMENTS_90
Mortgage or rent
MORTGAGE_PAYMENTS_30
MORTGAGE_PAYMENTS_60
MORTGAGE_PAYMENTS_90
Bankruptcy last two years? BANKRUPTCY_LAST_TWO_YEARS
Bankruptcy three to seven years? BANKRUPTCY_THREE_TO_SEVEN_YEARS
Foreclosure last two years? FORECLOSURE_LAST_TWO_YEARS
Foreclosure three to seven years? FORECLOSURE_THREE_TO_SEVEN_YEARS
Open lien OPEN_LIEN

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.



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Definitions

Credit assessment
Your credit is calculated as 'Good', 'Fair' or 'Needs Improvement'. A good credit assessment means you should be able to qualify, within the limits of your income, for most loans. You are also much more likely to receive the best interest rates available. If your credit is fair, you will probably not have trouble qualifying for a loan, but you may not receive the best available interest rate. If your credit rating needs improvement, you may have issues that could limit your ability to qualify for many loans.

Consumer loan payments
Enter the number of late consumer loan payments you have had in the last two years. Consumer loan payments include car loans, student loans, and credit cards.

Mortgage or rent payments
Enter the number of late mortgage or rent payments in the last two years. Mortgage and rent payments include the following types of payments: mortgage, rent, equity line and second mortgage payments.

Bankruptcy last two years
If you or any of your co-borrowers filed for bankruptcy within the last two years, mark this entry as "Yes".

Bankruptcy three to seven years
If you or any of your co-borrowers filed for bankruptcy within the last seven years, mark this entry as "Yes".

Foreclosure last two years
If you or any of your co-borrowers had a property sold under foreclosure within the last two years, mark this entry as "Yes".

Foreclosure three to seven years
If you or any of your co-borrowers had a property sold under foreclosure within the last seven years, mark this entry as "Yes".

Open lien
If you or any co-borrowers have open collection items, charge-offs, judgments, or liens mark this entry as "Yes".

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.