Credit
Understand your credit. Improve it with clarity.
Crenti analyzes your credit history, explains which factors affect your score, and gives you a concrete plan to improve.
720Muy Bueno
300Muy Bueno
What shapes your credit score?
Your score is the result of 5 key factors. Understanding them is the first step to improving them.
Payment history
35%
Debt level
30%
Credit age
15%
Credit types
10%
Recent inquiries
10%
Your 3-step action plan
1
Pay on time
+40 estimated pointsIn 6 months
Payment history is the most important factor. One on-time payment per month makes a difference.
2
Reduce your balance
+30 estimated pointsIn 3 months
Use less than 30% of your available credit limit.
3
Don't apply for more credit
+20 estimated pointsIn 3 months
Each application creates an inquiry that temporarily lowers your score.
Which products do you qualify for today?
Estimated based on your profile. Improve your score to unlock more options.
19
estimated months
700
Projected score
Basic credit cardRequires score ≥ 480
Medium probability
Personal loanRequires score ≥ 580
Low probability
MortgageRequires score ≥ 700
Low probability
Indicative estimate. Actual results depend on your credit behavior.