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 don’t 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.
  • Where you live.
  • Any interest rate being charged on a particular credit card or other accounts.
  • Any items reported as child/family support obligations or rental agreements.
  • Certain type 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 lenders make without your knowledge.
  • Any information not found in your credit report.
  • Any information that is not proven to be predictive of future credit performance.