Credit Score: Companion App

Credit Score Companion brings together 20 practical calculators to help you understand the numbers behind your credit accounts and explore what-if scenarios. See how balances, limits, account dates, payment history and debt payments fit together, with clear results and explanations of the assumptions used. EXPLORE FIVE CREDIT AREAS Credit utilization Calculate how much of your available credit you use, explore a target utilization level, work out the credit limit needed for a chosen ratio, and see how closing a card could change your utilization. Credit age Calculate average account age, compare accounts, find account milestones, and explore how adding a new account could affect your average age. New credit Review inquiry ages and timelines, explore recent credit activity, and understand illustrative rate-shopping windows. Payment history Calculate your on-time payment percentage and payment streak, review the age of a late payment, and explore estimated negative-item timelines with the relevant assumptions and exceptions explained. Credit readiness Calculate debt-to-income ratios, include housing costs, explore payment capacity at a target ratio, and estimate credit card payoff time using the balance, interest rate and monthly payment you enter. BUILD YOUR OWN CREDIT PICTURE Save the cards, accounts, inquiries, payment records and income details you choose to enter. Bring selected information together in My Picture, reuse saved data in calculators, or enter fresh values for a separate scenario. Compare possibilities without changing your saved facts. CLEAR RESULTS, USEFUL CONTEXT Each calculator explains how it works and provides reference sources where relevant. Results come from your entered information and the calculator's stated rules. Light and dark themes let you choose the appearance that suits you. YOUR FINANCIAL DATA STAYS ON YOUR DEVICE No account sign-up or bank connection is required. Your entered financial information is stored locally and is not sent to credit bureaus, advertising services or an AI service. You can edit or delete saved information in the app. The app contains ads; advertising services may process device and usage information according to your privacy choices. UNDERSTAND THE NUMBERS, WITHOUT SCORE PROMISES Credit Score Companion does not retrieve your credit report, calculate an official credit score or predict a score change. It is an educational calculation and planning tool, not a credit repair service, lender or financial adviser. Results do not guarantee approval, a particular score or the removal of a reported item. Some explanations use U.S. credit-reporting examples; rules and lender practices vary by country and provider.