Credit Score
A credit score is a three-digit number (usually 300–850) that predicts how likely you are to repay borrowed money. Lenders use it to decide whether to approve you and what rate to charge — a higher score can save tens of thousands in interest over a mortgage or auto loan.
The biggest factors are payment history and credit utilization (how much of your available credit you use), followed by account age, credit mix, and new inquiries. Scores of 740+ generally unlock the best rates; below 620, borrowing gets expensive or difficult.
Put it to work
Debt-to-Income Ratio Calculator
Calculate the debt-to-income (DTI) ratio mortgage lenders use to size your approval — front-end and back-end — and see how much room you have before 36%.
Credit Card Payoff Calculator
How long to pay off your credit card at your current payment — and the exact monthly amount to be debt-free in 12, 24, or 36 months.
Auto Loan Calculator
Car payment with the real numbers: sales tax, fees, trade-in credit — even negative equity. See the monthly payment and the true total cost.