How the calculation works
The model copies the public weights that Mexico's credit bureaus use: 35% payment history, 30% credit utilisation (how much of your available credit you're using), 15% account age, 10% product mix and 10% recent hard inquiries.
It's an estimate, not your real score. But when the inputs you enter are honest, the number usually lands within ±50 points of what you'll see on your official report at burodecredito.com.mx or circulodecredito.com.mx.
What to do next
If your score comes out above 700, it's worth pulling your full report (free once a year) to make sure no errors are leaving points on the table. If it's between 600 and 700, the biggest jump usually comes from getting card utilisation below 30%. And if it's under 600, the priority is cleaning up open accounts before applying for anything new.