Work out credit score impact instantly with clear inputs, formula shown and shareable results.
Scoring models weight payment history most heavily, then utilisation, then history length. This model applies published weightings as transparent point adjustments so you can see which behaviour is costing the most, rather than a black-box number.
Point model
Δ = -(utilisation-30)×1.6 - missed×35 + age adjustment
Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.
No. Bureaus use proprietary models on your full file. This shows the direction and rough scale of each factor.
Their weight decays over about two years, but the record itself usually stays visible for longer.