FHA Credit Score Credit Score Estimator FHA Credit Score Estimator Note: This is a self-check tool to help you estimate your credit range based on common factors. For exact scores, check with credit bureaus or free tools like Credit Karma. Do you consistently pay bills on time? Yes, always Mostly, with a few late payments Often late How much of your credit limit do you usually use? Below 30% 30–60% Over 60% How long have you had credit? 5+ years 2–5 years Less than 2 years Have you opened new credit accounts recently? No One Several Estimate Credit Score Range