Top 10 Things NOT in your FICO Score


Top 10 Things Not in Your FICO Score

Factors contributing to someone’s credit score, for Credit score (United States). (Photo credit: Wikipedia)

Top 10 Things Not in Your FICO Score

You’ve been doing your home work and you know what goes into your FICO score.   These bills must have priority when times are tight.  Other bills can wait a while if necessary.  Now let’s consider what does not go into your FICO score.

  1. Race, color, religion, national origin, marital status.
  2. Age.
  3. Salary, occupation, title, employer, date employed or employment history that has not been reported by the employer or submitted by you in a credit application.
  4. Debts under $100.00
  5. Any interest rate being charged on a credit card or other account.
  6. Any items reported as child/family support obligations or rental agreements.
  7. Certain types of inquiries such as “consumer initiated” (your own), promotional inquiries, pre-approved credit cards, “administrative” inquiries (your creditors checking up on you from time to time), bank inquiries for opening a checking account.
  8. Any information not found in your credit reports such as rental payments
  9. Any information that is not proven to be predictive of future credit performance.
  10. Whether or not you are participating in credit counseling of any kind.

 Other Considerations

The only way to know for sure what is or isn’t in your credit reports is to pull them and check for yourself.  You may even be pleasantly surprised to find that something you feared was in there wasn’t reported or has aged out.

Bear in mind that your mortgage lender is certainly going to consider many other factors including salary and whether you have held the same job for 2 years and been in the same field for 5 years.  Also the source of your down payment and proof of a certain amount of time with the same bank.  Borrowed down payments have to be repaid after all.

Banks are less likely to be concerned about this if it is “seasoned” money, meaning money that has been in your account for some length of time or for which you have a ready explanation such as an inheritance, a bonus or deferred income received.

Parking tickets and library fines are not recorded by credit reporting agencies even though there is nothing in the FCRA (Federal Credit Reporting Act) forbidding them to do so.  If they become a judgment the judgment could be recorded but most judgments are not reported by credit bureaus anyway.  FICO does not bother to measure debts under $100.00.


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After practicing law for 37 years Edward F. St. Onge, Sr. now devotes all his time to helping consumers achieve a high credit score with amazing speed. Learn the counter-intuitive secrets to credit scoring through his down to earth instructions backed by extensive knowledge of the laws and trends. All of the latest tricks and techniques that they don't want you to know now at your disposal. At last a level playing field for the consumer!

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