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Credit Score

Soft pull · updated daily · no impact on your score.
Your score
Last updated today
FICO 8
822
Exceptional
+18 vs. 6 months ago
Equifax
824
/ 850
Experian
819
/ 850
TransUnion
821
/ 850
Score history · 24 months
2 yrs ago18 mo12 mo6 motoday
Poor < 580
Fair 580–669
Good 670–739
Excellent 740+
What's driving your score
Weighted breakdown of the five FICO factors
  • Payment history35% of score · Excellent
    100% on-time payments for 7+ years.
  • Credit utilization30% of score · Excellent
    Using 6% of available credit. Keep under 10%.
  • Length of history15% of score · Good
    Oldest account 9.2 years. Average age 5.4 years.
  • Credit mix10% of score · Very Good
    Cards, auto, mortgage, student — well diversified.
  • New credit10% of score · Excellent
    1 hard inquiry in the last 12 months.
Open accounts
7
3 cards · 2 loans · 1 mortgage · 1 student
Total credit limit
$55,450
across 3 cards
Utilization
3.7%
$2,046 of $55,450▲ great
Hard inquiries · 12m
1
Auto loan · Apr 2025
You qualify for the best rates available
Lowest mortgage tier · lowest auto-loan tier · highest card sign-up bonuses.