Credit Score Calculation For Your Business!


Looking for a credit score to help you get approved for loans, mortgages, and lines of credit? Look no further than Credit Ratings. We provide an accurate credit score calculation that impacts your eligibility to get approved.

A credit score is an important part of your credit rating and can have a significant impact on the amount of debt you canebted and the interest rates you pay. Here are some key factors that influence credit score: Credit Utilization credit history, payments, and other factors.

What Really Matters In Your Credit Score?

Looking to improve your credit score? Check out our free credit report services! We collect data on your credit score, payment timeliness, length of credit history, and more. Plus, we'll recommend products and services that could help you improve your credit rating. calculate your credit score for free with our easy-to-use credit score calculator. Use our tool to see how your credit is doing, and find out which sources are most accurate.

Get a free credit score from FICO. Use our FICO credit scoring model to see your credit score and find out if you need to improve your credit rating.

  1. Payment History: The frequency of on-time payments.

  2. Amounts Owed: The total amounts owed on all lines of credit.

  3. Length of Credit History: The length of time an account has been opened.

  4. New Credit: The number of new credit accounts opened.

  5. Credit Mix: The combination of ongoing loans and lines of credit.


1. Payment History

Looking to stay in good financial shape? Payment history is your key to success. By knowing what payments have been made, lenders can better assess your creditworthiness and consider lending you money. This informs nearly half of the FICO scoring model and is a critical factor in determining your ability to pay back loans.

2. Amounts Owed

Amounts owed refers to the sum of all open lines of credit and loans—basically, how much of your available credit you’ve spent. Having a high amount owed is a red flag to lenders. This accounts for 30% of your FICO score.

3. Length of Credit History

Looking to Improve Your Credit Score Look no further than our Length of Credit History page! This information will help you determine how long you have had credit and establish your credit foundation.

4. New Credit

Find out how much new credit is being opened in your area and see how your score stacks up against other lenders. Credit repair has the latest information on all the latest credit card and loan deals.

5. Credit Mix

Credit mix is the combination of the types of open accounts (loans, credit cards, and other forms of credit). Having various open lines of credit diversifies your credit report and shows creditors that you can manage multiple financial accounts responsibly.

What’s the Difference Between FICO and VantageScore?

Looking to boost your credit score? The VantageScore model is slightly different from the FICO Score, examining six factors to determine your credit score. It adds one other factor, available credit, which shows how much you haven’t used in a line of credit.

If you're looking for an accurate credit score, look no further than FICO or VantageScore. both of these calculators are considered industry staples.

Negative Factors That Impact Your Credit Score

Looking to improve your credit score? Check out our services to help you get back on your feet. We can help you understand and fix any negative factors that may be affecting your credit rating, so you can improve your future prospects. Contact us today to learn more!

Late or Missed Payments

If you're not sure if you're making your payments on time Check Your Credit Score If it dips below a certain point, your credit may be affected by late or missed payments.

Accounts In Collections

Get your accounts sent to collections when you have delinquent payments and stay on a credit report for up to seven years!


If you are in Chapter 7 or Chapter 13 bankruptcy, your debts may stay on your credit report for up to 10 years.

If you have debt, Chapter 13 bankruptcy is the perfect solution. You will pay off the debt on a set schedule, and your assets will be used to pay off other debts. This will help you get back on your feet and keep your family safe.

Account Charge-Offs

If you have a delinquent account, our team can help you get it collected. With our charge-offs service, your account will be written off as a financial loss and removed from your credit report for up to seven years.

Maxed Out Credit Cards

Maxing out your credit cards can improve your credit score, but it's important to always use the full amount of available funds on a credit card. If you exceed your credit limit, you could lose your score and get closed out of some potential financial opportunities.

Closed Credit Cards

Looking for a way to boost your credit score? Check out our old credit accounts! When an account is closed, this information gets deleted from your credit history and, as a result, your credit limit decreases—this can cause a drop in your credit score.

Multiple New Credit Applications

If you're looking to open new lines of credit, it's important to keep an eye on your credit score. These inquiries can temporarily lower your score, so it's important to be aware of what could happen.

Looking to borrow money? This can raise a red flag for banks, mortgage lenders, and creditors. They assume that you're a high credit risk, so you're more likely to be denied a loan.

Home Foreclosure and Loan Defaults

Looking for a way to get out of your loan? Foreclosures and defaults can happen when a homeowner can't make payments on their loan. Banks and creditors can seize assets, often selling them to make up for the lost payments. Foreclosures and defaults can stay on a credit report for up to seven years.

Looking for a loan that won't hurt your credit score? Look no further than our subprime borrowers! They are the riskiest borrowers and are not likely to pay back their loans, so you can rest assured that you'll be able to get a loan without any hassle.

How to Improve Your Credit Score?

Get your credit score up to par by following this guide. You'll learn how to develop a financial plan, stay on track, and improve your credit score.

Here are five tips to help you start improving your credit score.

1. Download a free copy of your Annual Credit Report

Looking for the best way to improve your credit score and look for errors or signs of fraud? Look no further than our free credit report review service! We'll review your credit report and give you the most up-to-date information on any errors or problems.

2. Dispute credit report errors

Get your credit report fixed without having to go to a credit counseling center. Get your credit report analyzed and corrected for errors today!

3. Seek help from a credit counselor or credit repair company

Looking to improve your credit score? Look no further than our Credit Repair Company We can help you identify credit errors and develop a financial plan to improve your credit score. Contact us today for a free consultation!

4. Pay off accounts in collections

Paying off accounts in collections will help prevent negative reporting.

5. Inquire about financial hardship programs

Looking for a way to help cover your expenses during the pandemic? American Express is offering a Financial Hardship Program This program offers small loans and credit cards to people who need them most.

Looking for ways to improve your credit score? Check out our free credit report today. Get your score in as little as 60 minutes and see how you can improve your financial future. If you're looking to improve your credit score, it's important to understand all of the factors that go into it. You can find free resources online or contact a Credit Repair Specialist for personalized guidance.

Call on (888) 804-0104 to get the best credit repair services now!