How the calculation works
The model copies the public weights that Colombia'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 midatacredito.com.
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.