
I came across Check Your Credit Score For Free post on All Financial Matters Blog today. The tool was good, but I found a better one called myFICO FICO Score Estimator (it’s faster and there’s no advertisement). The calculator asks you 10 questions to come up with an estimated range of your FICO credit score.
The questions are:

Illustration from The Skinny On Credit Cards, published with permission. The Skinny On.
This gives you a good idea of what factors determine your credit score. Here is a visual on how your FICO score is calculated from 5 general categories.

Note: I got the graphic from myFICO’s About FICO scores page.
Based on my answers, my FICO score was estimated to be between 755-805. That’s pretty darn good based on the ranges below:
Note: I got this table is from Journey To Financial Freedom.
Also check out this Bargaineering article on how to get a free FICO credit score. Anyway, it is a good idea to review your credit report regularly. Since you can get 1 free credit report per year from each of the 3 credit agencies (Equifax, Experian, and TransUnion), you can stack your request 4 months apart and be able to review your credit report year round. Personally, I use AnnualCreditReport.com.

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If a delinquent credit card was closed and charged off, do you count it here as having a credit card and as past due?
I have to improve my score, but I have adverse items which won’t go away – not even after 7 or 10 years – and I currently have no cards, loans, or credit. So how am I supposed to raise my score?
I think the delinquent & charged off is A LOT worse than past due account. I think you would have to answer YES to question #10.
“I current have no cards, loans, or credit”…do you have any debt? May be it is a good thing given your situation.
I just tried the Estimator and it gave me 540-590, which sounds just about right. My three CRA scores are 490, 550, and 620. (Go figure!)
But since I earn minimum wage and have no disposable income I can’t resolve those old debts, so my score isn’t likely to ever get back to normal.
It seems like you have a lot of experiences and stories to tell, have you thought about writing for money? I think you can do ghost writing or something similar and make some money that way.
Minimum Wage. This link may give you some good ideas: 40 ways to make money on the Internet
I don’t understand from where Pinyo u get these information. I m so really impressed with the content formating and your expressive ideas. I just tried the Estimator and it gave me 530-590, which sounds good i believe. My three CRA scores are 450, 520, and 640. Let me be honest to you that I earn minimum wage and have no disposable income I can’t resolve those old debts, so my score isn’t likely to ever get back to normal. what will u advice ??
I also calculated my FICO score from here http://www.creditmagic.org/kno.....oring.html and it is giving me same results.