How to Estimate Your FICO Credit Score

You can't reproduce the exact FICO formula — it's proprietary — but the five factors that drive your score and their approximate weights are public. Once you know them, you can estimate roughly where your score lands and spot the one thing holding it back.

FICO weighs payment history (~35%), amounts owed / utilization (~30%), length of credit history (~15%), new credit (~10%), and credit mix (~10%). Pull your reports, score each factor, and target the weakest one first.