FICO Scores Ignore

What FICO Scores Ignore

FICO scores consider a wide range of information on your credit report, as described in What a FICO score considers. However, it does not consider:

  • Your race, color, religion, national origin, sex, or marital status. US law prohibits credit scoring from considering these facts, as well as any receipt of public assistance, or the excercize of any consumer right under Consumer Credit Protection Act. 
  • Your age. Other types of scores may consider your age but FICO does not. 
  • Your salary, occupation, title, employer, date employed, or employment history. Lenders may consider this information.
  • 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 like requests for your credit report or score. Your FICO score does not count any inquiries you initiate, any inquiries from employers, or any inquiries lenders make without your knowledge. 
  • Any information not found on your credit report. 
  • Any information that is not proven to be predictive of future credit performance.