How this calculator works

Credit-scoring models are proprietary, and no calculator can reproduce a real score. What this tool shows is the direction and rough magnitude of the main drivers: your own credit utilisation, the small dip from a new application, the change in account mix, and — by far the largest — whether payments are made on time.

The key fact for co-signers is that a co-signed account is reported on both people's credit files. On-time payments can help; missed payments hurt both people, and the co-signer has no control over the borrower's behaviour.

Assumptions and limits

This is an educational estimate produced entirely in your browser. It is not an offer of credit, an approval, or financial advice, and it does not use your real credit file. Lenders apply their own policy, pricing, and verification.