Middle Credit Score®

Score Estimator

This estimator helps you predict how lenders will classify you — not how many “points” a consumer app thinks you might earn.

Open the Full Estimator
Improve your middle credit score with Middle Credit Score®

Preview how lenders will score you

This Shows Your Likely Risk Tier, Not Just a Number

Most estimators try to guess your score. This one helps you understand how lenders are likely to rank your risk level based on your current credit signals. The number is only part of the story — the risk classification is what determines treatment.

5 components of credit.

Designed Around the Middle Credit Score®

This tool reflects the score lenders actually use, not the inflated consumer versions shown in apps. It helps you estimate how your true Middle Credit Score® is likely being read behind the scenes before you apply.

Helps You Prevent “Application Shock”

People are often denied or up-charged because they never saw how they were being interpreted prior to applying. The Score Estimator lets you preview that interpretation so you can correct issues before they cost you.