Whats Not On My Credit Score
A credit score is a list of information that is in your credit report. There could be a lot of information that can be included in your credit report but here are a list of things that are not included.
FICO scores consider a wide range of information on your credit report however they do not consider ;
- Where you live
- your race, color
- national origin
- marital status
- sex And How much you get paid, where you work, and your employment history is also not included. Other types of scores might consider your age but FICO scores don’t your score does not count consumer initiated. Certain lenders may consider this information.
They also don't include your credit requiry ;
Credit inquiry is a transaction where a bank or other credit issuing institution views an individual's credit report in connection with a loan or credit card application. The purpose of a credit inquiry is to evaluate an individual’s likelihood to repay money that is lent to them. Basically they do this to see if you can be trusted with paying back the money.
There is a United States law that prohibits credit scoring from including this type of information. Request that you have made for your credit report is also not included.
They also do not count promotional inquiry which is request made by lenders in order to make you a pre-approved credit offer.
They do not want to know your personal information but just about your money.They do not included this type of information because that's nobody's business credit report should only show your credit, creditors, credit score, how you pay creditors, and contact information like address and phone number