According to Experian, one of the major credit information group: the information that impacts a credit score varies depending on the score being used. Credit scores are affected by elements in your credit report, such as:
- Number and severity of late payments
- Type, number and age of accounts
- Total debt
- Public records
Credit scores do not consider the following information:
- Your race, color, religion, national origin, sex or marital status. U.S. 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.
- Your salary, occupation, title, employer, date employed or employment history. However, lenders may consider this information in making their approval decisions.
- Where you live.
- Certain types of inquiries (requests for your credit report). The score does not count "consumer disclosure inquiry requests you have made for your credit report in order to check it. It also does not count "promotional inquiry" requests made by lenders in order to make a "pre-approved" credit offer – or "account review inquiry" requests made by lenders to review your account with them. Finally, inquiries for employment purposes are not counted.
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