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What’s NOT Counted in a Credit Score

Federal laws including the Equal Credit Opportunity Act and Consumer Credit Protection Act prohibit certain things from being factored into credit scores. Such things include:

  • 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 credit scores don't.

  • Your salary, occupation, title, employer, date employed or employment history. Lenders may consider this information, but it is not used in the credit score.

  • 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. 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 performance.

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