How the calculation works
The model considers payments, credit use, account age, types of credit, and recent inquiries. Its weights are an educational Kreditano rule; they do not reproduce the formula used by Buró de Crédito or Círculo de Crédito.
The number is not your real score and does not predict approval. To see the information in your file, request your report directly from Buró de Crédito or Círculo de Crédito.
What to do next
First check the report for errors. If you use a large share of your limits, reducing the balance may help; if payments are overdue, bringing them up to date comes before another application.
Your entries are processed in the browser and are not sent to Buró, Círculo, or a lender. Use the result to review habits, not as a promise of pricing or approval.
What to have at hand
Use the limit and balance shown on your latest statement. Count only active products and recent formal applications. If you cannot remember a late payment, check the report before estimating it: changing that input has a large effect on this internal calculation.