Credit
Sample Community Church · Atlanta, GA
All figures on this screen are self-entered estimates for education only. This prototype has no connection to any credit bureau, lender or real credit report.
Score bands
General ranges used across common scoring models (300-850 scale).
| Range | Band | Status |
|---|---|---|
| 300–579 | Poor | Poor |
| 580–669 | Fair | Fair |
| 670–739 | Good | Good |
| 740–799 | Very good | Very good |
| 800–850 | Exceptional | Exceptional |
What makes up a score
Approximate weighting used by common scoring models.
| Factor | Typical weight | What it means |
|---|---|---|
| Payment history | 35% | On-time vs. missed or late payments. |
| Amounts owed / utilization | 30% | Balances relative to credit limits. |
| Length of credit history | 15% | Average age of your accounts. |
| Credit mix | 10% | Variety of credit types (cards, installment loans). |
| New credit | 10% | Recent applications and hard inquiries. |
Utilization calculator
Enter a card balance and credit limit to estimate utilization. Self-entered — not pulled from any account.
Utilization
30%Good
Most guidance suggests keeping utilization under 30%, and under 10% for the strongest impact.
Improvement & dispute checklist
- Pull your free annual credit report from each bureau
- Flag any account or balance you don't recognize
- File a written dispute for confirmed errors
- Set up autopay for at least the minimum due
- Pay down the highest-utilization card first