Ben Leske - Mortgage Banker

253-202-3355

Credit Score Calculator

Have you ever been turned down for a credit card, an apartment, or even a job that you were sure you would get?

Maybe you should check your credit bureau file. Credit bureaus have a low public profile but their behind-the-scenes work can have an inordinate effect on your life.

The files contained in US's three credit bureaus contain detailed information about your credit history and habits - including information on your past payment record, bad debts and bankruptcies, if any. If you've ever participated in a debt repayment program, it's also noted.

This information is available to credit bureau members, like banks, retailers, landlords and employers, and can be the basis for refusing a purchase or lease. In most cases, you won't even know the basis for the refusal. That means it's essential to keep your credit record as clean as possible by paying your bills on time.

The Credit Score calculator below will give you a basic idea of what your credit report might look like given that you input the required information correctly.

Calculate your Credit Score

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

Judgments and Collections
Real Estate Foreclosure
Creditor Judgments against you
Creditor Charge offs
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 interpreta-tion. There may be mitigating factors, such as a layoff for example, which are not likely to reoccur.

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