Calculadora de Score de Crédito
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
score = hist×35% + (100−util)×30% + tempo×15% + tipos×10% + consultas×10%
About this calculator
The Credit Score Calculator offers a simplified estimate of your score based on the main factors considered by credit bureaus. It uses five pillars: payment history, credit utilization, account age, credit mix, and recent inquiries. Each factor has a specific weight to compose the final score, which ranges from 0 to 1000. The result is an educational reference, not an official score.
To use the calculator, enter values for each factor in the indicated fields. Payment history (0 to 100) reflects punctuality. Credit utilization (0 to 100%) shows how much of your available limit you use. Account age (in years) considers how long your credit file has existed. Credit mix (0 to 5) counts how many types of credit you have. Inquiries (number in the last 6 months) indicate how many times your CPF was searched.
This tool is useful to understand how each aspect impacts your score and identify areas for improvement. For example, if your utilization is high, reducing balances may raise your score. It also helps simulate scenarios before applying for a loan or credit card. However, keep in mind that actual bureau calculations consider more variables and may differ from the result obtained.
Cautions: the calculated score does not replace an official consultation with Serasa, SPC, or Boa Vista. Factors such as income, assets, and delinquency history are not included. Also, the weights are approximate and may vary among bureaus. Use the result as a guide for good financial practices, not as a guarantee of credit approval.
Frequently asked questions
Is this score the same as Serasa's?
No, it's a simplified estimate. Serasa uses more variables and proprietary algorithms. Check their official site for your real score.
How can I improve my score quickly?
Pay bills on time, keep credit card usage below 30% of your limit, and avoid multiple inquiries in a short period.
What does each factor mean?
Payment history shows if you pay on time. Utilization is the proportion of credit used. Account age is how long your file has existed. Credit mix is the diversity of credit types. Inquiries are how many times your CPF was searched.
Can I use this result to apply for a loan?
No, it's not official. Banks use their own scores. Use it only as a reference to understand your profile.
Why is my real score different?
Bureaus consider data like delinquencies, income, and detailed payment history, which are not included in this calculator.