Every rule visible. Every number explained.
BuffYourCredit’s engine is plain, deterministic code. It weighs five factors using the publicly documented FICO weights and turns the gap in each into ranked actions.
The five factors
35%Payment historyLate payments in the last two years and any collections.
30%Amounts owedCard utilization overall and per card. Under 10% scores best.
15%Length of historyThe age of your oldest account.
10%Credit mixWhether you have both revolving and installment credit.
10%New creditApplications in the last 12 months.
Estimates are educational and use the 300–850 scale. Real bureau scores use more data and proprietary models, so yours may differ.