Score Planner™
Estimate your credit score
Understand Your Score Like Never Before
Score Planner will provide you with an estimated Credit Score where you can learn how changes in your credit information impacts your score. You will be able to test different theories by seeing how your score might change by moving the sliders. By using the sliders you can view possible scenarios to find out what impacts your score.
If you don't have a copy of your credit report readily available, you can obtain your credit report at no charge once per year at annualcreditreport.com.
About PLUS Score
The PLUS Score, with scores ranging from 330 to 830, is a user-friendly Credit Score model developed by Experian® to help you see and understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion®, and Equifax® that maintain a record of your credit history known as your credit file. Your Credit Score is based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit score can vary if the information they have on file for you is different. And since the information in your file can change over time, your Credit Score may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer.
Lenders and insurers use several different credit scoring models so don't be surprised if your lender gives you a score that's different from the PLUS Score. Just remember that your associated risk level is often the same even if the number is not. For some consumers however, the risk assessment of a PLUS Score could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your PLUS Score, it is possible that this difference can lead to higher interest rates and sometimes credit denial.