US CREDIT OPTIMIZATION · FICO 8 / FICO 9
Model your FICO factors, tighten utilization, and map a faster path out of high-interest debt — in one credit workspace.
CREDIT SNAPSHOT
Score Factor View
PAYMENT
35%
AMOUNTS
30%
HISTORY
15%
THE CREDITFINANCE TOOLKIT
Start with the number that needs work. Each tool is built to produce a next step you can take on your accounts.
01 · SCORE
Adjust the major FICO factors and see how payment history, utilization, and new credit move your modeled score.
02 · PAYOFF
Compare Avalanche and Snowball strategies using your actual balances, rates and payment amounts.
LIVE CREDIT TOOLS
Two quick calculations for the most common credit and debt decisions. Nothing is stored in the page.
01 · AMOUNTS OWED
See how your revolving balance compares with your total available credit.
UTILIZATION RATIO
Good — Within the commonly cited "stay under 30%" guideline.
02 · PAYOFF PATH
Estimate how long one revolving balance could take to repay using a fixed monthly payment.
CREDIT SCORE FRAMEWORK
FICO scoring models consider payment history, amounts owed, length of credit history, new credit and credit mix. Understanding how those categories interact makes it easier to prioritize the changes that actually matter.
CreditFinance turns those concepts into practical tools so you can compare scenarios before making a financial decision.
Explore the FICO factor model →FICO 8 FACTOR WEIGHTING
Payment History
On-time payments and the severity and recency of delinquencies.
Amounts Owed
Revolving utilization and balances across credit accounts.
Credit History Length
Account age, including the age of your oldest accounts.
New Credit
Recent inquiries and recently opened credit accounts.
Credit Mix
Different types of revolving and installment credit.