Credit Score Blueprint: Everything You Need to Know

What Doesn’t Affect Your FICO Score?

  • Your capacity to pay your bills Note that while your FICO score reflects your likelihood of timely loan repayment based on your credit history, it does not take into account your capacity or ability to make payments based on your income or holdings.
  • Your age
  • Your race, color, national origin, gender, religion or marital status Under U.S. law, credit scoring agencies are forbidden to consider these facts, as well as whether or not you’ve ever received public assistance or have exercised a consumer right guaranteed under the Consumer Credit Protection Act.
  • Your employment information (such as salary, occupation, title, employer, length of current or past employment, or any other employment history information)
  • Child/family support obligations
  • Rental agreements
  • Where you live
  • Certain types of inquiries Your FICO score isn’t affected by “consumer-initiated inquiries,” or personal requests to view your credit report. Other types of requests that don’t affect your FICO score include inquiries from employers, “promotional inquiries” made by lenders to create a “pre-approved” credit offer, and “administrative inquiries” made by lenders to review your account status.
  • Any information not present in your credit report
  • Any data not proven to be predictive of future credit performance
  • Whether or not you have participated in credit counseling of any kind