Credit Grade Estimator

Please note that this calculator is only provided as a rough guideline for loan qualification. Many factors are used by lenders in making their loan decisions. The results of your calculations here are not binding and in no way constitute an offer to extend credit.

Mortgage / Home Equity Loan

(Number of late payments in past 12 months)

30 Days Late
60 Days Late
90 Days Late
90+ Days Late

Installment Loans / Revolving Credit

(Number of late payments in past 12 months)

30 Days Late
60 Days Late
90 Days Late
90+ Days Late
Judgements and Collections
Real Estate Foreclosure
Creditor Judgements against you
Creditor Chargeoffs
Personal Bankruptcy
Collections or Wage Garnishments
Tax Liens
 
     
 
Your Credit Grade: *
 
* This is an approximate rating. Different lenders may grade you somewhat higher or lower, depending on their internal underwriting requirements.

The elements which influence your credit rating are often subject to interpretation. There may be mitigating factors, such as a layoff for example, which are not likely to reoccur.