Discover how to accurately estimate your credit score before applying for loans. Our comprehensive guide includes a free interactive calculator for both FICO and VantageScore, real-world examples, and expert strategies from a Board Certified Credit Consultant with 17 years of experience helping over 79,000 clients improve their credit.

The 2/2/2 credit rule is an invisible underwriting guideline that lenders use to evaluate borrowers, requiring at least two active credit accounts open for two years with two years of consecutive on-time payments. As credit requirements tighten and lenders scrutinize borrower stability more carefully, understanding this rule becomes critical for anyone planning to apply for mortgages, auto loans, or premium credit cards.

TransUnion launched a machine learning system to detect credit washing, but consumer advocates warn it may violate FCRA protections by tracking deleted disputes.