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, they donít 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.
  • Certain types of inquiries (requests for your credit report or score). Your FICO score does not count any inquiries you initiate, any inquiries from employers or any inquiries anyone makes without your knowledge.
  • Your salary, occupation, title, employer and employment history.† Lenders may consider this information, however FICO scores don't.
  • Your age. Other types of scores may consider age, but FICO scores donít.
  • Any interest rate being charged on credit cards and other accounts.
  • Any information that is not predictive of future credit performance.
  • Any information not found in your credit report.
  • Where you live.