Credit Analyzer
Credit made simpler

Understand your credit picture.

Answer simple questions to see what looks healthy, what may need attention, and how paying down cards could change your card usage.

Let’s check your credit profile

Answer a few simple questions. You can use estimates and change anything later.

What you’ll needYour monthly income, minimum debt payments, and each card’s balance and credit limit. Your credit score is optional. This usually takes about two minutes.
01Start with the basics
It’s okay to estimate. These numbers only help explain how much of your monthly income goes toward required debt payments.
Optional — leave blank if you don’t know
Your pay before taxes and deductions
Minimum cards, loans, mortgage, and other debts

Scores from your reports or services

Optional. Different bureaus and scoring services can show different numbers.

Not sure what counts? Include payments you are required to make each month. Do not include groceries, utilities, subscriptions, or regular living expenses.
02Add your credit cards
Look at your statement or card app. Enter the current balance and the total credit limit for each card. Do not enter the available credit.
All card balances / all card limits$0 / $0
Quick example: A $300 balance on a $1,000 limit means you are using 30% of that card.
03Tell us about your credit history
Choose the closest answer. You do not need exact percentages, dates, or account counts.
Use the age of your oldest account
Only applications that checked your credit

Details from your credit reports

Use these only when you know the numbers. They replace the broad answers above in the detailed analysis.

Years
Years
04See what paying down cards could do
This is only a practice scenario. Enter an amount you might pay toward your card balances. Enter 0 if you only want to see your current picture.
This does not make or schedule a payment
Card usage nowNot ready
After your practice paymentNot ready
Payment to reach about 30%Not ready
Your estimated card usage afterward0%
Step 1 of 4

See your practice payment card by card

This shows where the amount from Step 4 is applied and how each card’s usage changes.

CardBalanceCredit limitUsage nowPractice paymentUsage afterStatus
Where does the checkup number come from?

The checkup gives the most weight to payment history and card balances. It also looks at how long you have used credit, recent applications and accounts, and the types of accounts you have. It is an educational guide—not a score from a credit bureau or lender—and it cannot predict approval or score changes.

Educational analysis only—not a credit score, approval prediction, or promise of score movement. Credit scores vary by scoring model, lender, bureau, product, report contents, and date. Debt-to-income is shown separately because lenders may consider it, but it is not a credit-report scoring factor. Review official reports, correct genuine errors through appropriate channels, and contact creditors or a qualified nonprofit counselor when needed.