What FICO Score Ignores

FICO scores consider a wide range of information on your credit report, as shown on pages 8–13. 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.
• 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 or score). The score does not count any requests you make, any requests from employers, and any requests lenders make without your knowledge. For details, see page 14.
• Any information not found in your credit report.
• Any information that is not proven to be predictive of future credit performance.