Credit Karma Credit Score Calculator
💳 Payment History (35%) On-Time Payment Rate: 100% – Perfect record99% – 1 late payment97-98% – 2-3 late payments93-96% – 4-6 late payments85-92% – Several late paymentsBelow 85% – Many late payments Late Payments (Last 24 Months): None1 payment2-3 payments4-6 payments7+ payments Collections/Charge-offs: None1 (resolved)1 (unresolved)2-3 items4+ items 📊 Credit Utilization (30%) Total Credit Limits:…