What is Not in Your Credit Score
While your credit score reflects a lot of different information about you, there are certain bits of information that are not in your credit score. Some of this information is prohibited by law from being included in your credit score, while other bits of information are not predictors of whether you are a good credit risk or not. Here is a list of the information not included on your credit score.
There are many factors that are prohibited by law from being included in your credit score. These include a person's race, color, national origin, sex, marital status, whether you receive public assistance or engaging in your consumer rights under the Consumer Credit Protection Act.
Besides those factors prohibited by law, there are other factors that are not part of your credit score. These factors include any child support obligations, rental agreements, where you live, interest rates charged, whether you are participating in credit counseling, requests for your credit report by you, requests by lenders looking to send you "pre-approved" credit offers, your current lenders reviewing your credit report, requests for your credit report from employers, and any other factor not shown to predict your credit worthiness.
Additionally, while your credit report does not reflect your salary, occupation, title, employer or employment history, lenders may use these factors to assess your risk as a borrower.