What's not in my FICO Score
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
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
Lenders may consider this information, however, as may other types of
- Where you live.
- Any interest rate being charged on a particular credit card or other
- Any items reported as child/family support obligations or rental
- Certain types of inquiries (requests for your credit
The score does not count “consumer-initiated” inquiries – requests
you have made for your credit report, in order to check it. It also does 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 in your credit report.
- Any information that is not proven to be predictive of future credit
- Whether or not you are participating in a credit counseling of any
The Score That Matters®
The FICO Score is the standard credit score in the US, used in more than 90% of lending decisions.