● Educational content — Not financial advice | Updated Oct 19, 2026 · Reviewed by CFPB-certified counselors
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4.8/5 from 3,241 beginner reviews
YOUR SCORE SIMULATOR +190 pts potential
610
FAIR
Before
520
After 6 mo
642
+122 pts
After 12 mo
710
+190 pts
Months of on-time payments 45% progress
DATA SOURCED FROM: Experian Equifax CFPB
Written by Amanda S. · Former CFPB analyst — Reviewed by Dr. James L., CFA

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Today: 520 → In 12 months: 610

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