What's not in my FICO Scores?
Updated: Jul 24, 2019
FICO Scores consider a wide range of information on your credit report. However, they do not consider:
Your race, color, religion, national origin, sex, and marital status. US law prohibits credit scoring from considering these facts, as well as any receipt of public assistance, or the exercise of any consumer right under the Consumer Credit Protection Act.
Your age. Other types of scores may consider your age, but FICO Scores don't. Your salary, occupation, title, employer, date employed or employment history. Lenders may consider this information, however, as many other types of scores. Where you live. Any interest rate being charged to a particular credit card or another account. Any items reported as child/family support obligations. Certain types of inquiries (requests for your credit report). Your scores do not count “consumer-initiated” inquiries – requests you have made for your credit report, in order to check it.
They also do not count “promotional inquiries” – requests made by lenders in order to make you a “pre-approved” credit offer – or “administrative inquiries” – requests made by lenders to review your account with them. Requests that are marked as coming from employers are not counted either. Any information not found on your credit report. Any information that is not proven to be predictive of future credit performance. Whether or not you are participating in a credit counseling of any kind.