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  • Wallace Holyfield

What's Not In Your Credit Score?

According to MyFico®, the following information is not evaluated or included when determining your credit score:


• Your race, color, religion, national origin, gender or marital status. Additionally, the Equal Credit Opportunity Act prohibits lenders from using this criterion when determining whether to approve a loan.


• Your age.


• Your salary, employer, occupation, job title, how long you have been employed or your employment history; however, lenders may review your income and employment history when making a decision to approve credit.


• Where you reside.


• Any interest rate being charged on a particular credit card or other credit account. • Any items reported as child or family support obligations.


• Certain types of inquiries .The score does not count “consumer-initiated” inquiries, requests you have made for your credit report. 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.


• Rental agreement Information.


• Any information that is not proven to be predictive of future credit performance. • Whether or not you are participating in credit counseling of any kind.




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