In April I wrote this line: "Nobody shows you this score. No app generates it."
I created a PDF which people can fill and get the score Manually!
Yogesh Muli suggested that why not an App instead and quickly build app and showed me. I deployed the same on vercel. Thanks Yogesh.
The score, now as a number
The framework had five factors, weighted the way a real credit score is weighted:
- Skill Currency — 30%. Your payment history. Are your skills current, or are you still riding on what worked five years ago?
- Experience Relevance — 25%. Your credit utilisation. Twenty years means nothing if fifteen of them are year one, repeated.
- Role AI-Resilience — 20%. Your credit age. Not how long you've held the role — how much of it a tool can now do.
- Professional Network & Visibility — 15%. Your credit mix. Does anyone outside your floor know your name?
- Adaptability Quotient — 10%. Your new credit inquiries. Do you move before you're pushed?
What readers kept asking for was the part I hadn't given them: so what's my actual number?
That's what the app does. You answer honestly across the five factors, and it puts you somewhere between 300 and 900 — the same scale the bank uses on you, with the same bands. It tells you where you stand, what that band looks like from the outside, and which single factor is dragging you down.
It's free. There's no sign-up. Nothing is stored. It takes about ten minutes.
First published on LinkedIn.