Credit Score Calculator
Find out your Credit Grade

Mortgage (and other loan) qualification is increasingly being done by means of "credit scoring." This is a mathematical analysis which considers many different aspects of your credit history -- late payments, delinquencies, tax liens, etc -- and expresses it as a single number, or "grade."

This credit score calculator will "score" your credit using the number of late payments you have on various credit accounts. This isn't a true "credit score," but will give you a pretty good idea of how you'd fare. Please note that different lenders may count late payments older than 12 months against you; ours doesn't. And different lenders may assign you a higher or lower score, depending on their internal underwriting requirements.

For more information, see Typical Specifications for B-C-D Credit.

Instructions: Simply make your selections from the dropdown boxes in the table below. Your credit grade will be automatically updated whenever a selection is made.

Credit Grade Calculator

Mortgage / Home Equity Loan (Number of late payments in past 12 months)
Installment Loans / Revolving Credit (Number of late payments in past 12 months)
Real Estate Foreclosure
Creditor Judgements Against You
Personal Bankruptcy
Collections or Wage Garnishments
Tax Liens
Creditor Chargeoffs
Your Credit Grade
* This is an approximate rating. Different lenders may grade you somewhat higher or lower, depending on their internal underwriting requirements. Also, 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.
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The Credit Grade Calculator, its coding, and all content are Copyright © 2020 by HSH Associates. All rights reserved.

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