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What’s Not in Your FICO Score

By Martin Harris in Mortgage and Lending
April 9th, 2011

A FICO score is the best-known and most widely used credit score model distributed by the three largest national credit repositories in the in the United States.

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 may other types of scores.

  • Where you live.
  • Any interest rate being charged on a particular credit card or other account.
  • Any items reported as child/family support obligations or rental agreements.
  • Certain types of inquiries (requests for your credit report).
  • 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 fu
  • ture credit performance.

  • Whether or not you are participating in a credit counseling of any kind.


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