Smart Spending

Credit risk assessment calculator

Calculate your credit risk and more

Use this credit risk assessment calculator to view credit worthiness. After entering the information, your credit is assessed as "good," "fair" or "needs improvement." Press the "report" button for more information about what this credit risk assessment means.

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Smart Spending

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Definitions

Credit assessment: Your credit is calculated as 'Good', 'Fair' or 'Needs Improvement'. A good credit assessment means you should be able to qualify, within the limits of your income, for most loans. You are also much more likely to receive the best interest rates available. If your credit is fair, you will probably not have trouble qualifying for a loan, but you may not receive the best available interest rate. If your credit rating needs improvement, you may have issues that could limit your ability to qualify for many loans.
Consumer loan payments: Enter the number of late consumer loan payments you have had in the last two years. Consumer loan payments include car loans, student loans, and credit cards.
Mortgage or rent payments: Enter the number of late mortgage or rent payments in the last two years. Mortgage and rent payments include the following types of payments: mortgage, rent, equity line and second mortgage payments.
Bankruptcy last two years: If you or any of your co-borrowers filed for bankruptcy within the last two years, mark this entry as "Yes".
Bankruptcy three to seven years: If you or any of your co-borrowers filed for bankruptcy within the last seven years, mark this entry as "Yes".
Foreclosure last two years: If you or any of your co-borrowers had a property sold under foreclosure within the last two years, mark this entry as "Yes".
Foreclosure three to seven years: If you or any of your co-borrowers had a property sold under foreclosure within the last seven years, mark this entry as "Yes".
Open lien: If you or any co-borrowers have open collection items, charge-offs, judgments, or liens mark this entry as "Yes".

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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Overnight Averages

Product	Rate	+/-	Last week
30 yr fixed mtg	3.73%		3.65%
15 yr fixed mtg	2.85%		2.79%
5/1 ARM	2.60%		2.59%

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Product	Rate	+/-	Last week
$30K HELOC	4.99%		5.00%
$30K home equity loan	6.17%		6.19%
$50K HELOC	4.56%		4.56%

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Product	Rate	+/-	Last week
48 month used car loan	2.92%		2.97%
48 month new car loan	2.44%		2.45%
36 month used car loan	2.88%		2.92%

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Product	Yield	+/-	Last week
6 month CD	0.45%		0.41%
1 yr CD	0.67%		0.63%
5 yr CD	1.24%		1.22%

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Product	Rate
Balance Transfer Cards	15.92%
Cash Back Cards	16.34%
Low Interest Cards	11.01%

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