It wasn't all that long ago that
American's faced great financial crisis. As a nation, we struggle
with debt, and it keeps us from achieving a better life. Debt
Education is here to help you change all that ... just ask!
REAL PEOPLE ... CARING ABOUT REAL
ISSUES
What's Not in Your Credit Score?
FICO scores consider a wide range of information on your credit
report. 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,
as may other types of scores.
- Where you live.
- Any interest rate being charged on a particular credit card
or other account.
- Any items reported as child or family support obligations
or rental agreements.
- Certain types of inquiries (requests for your credit report).
The score does not count consumer-initiated inquiries which
are requests you have made for your credit report, in order
to check it. It also does not count promotional inquiries which
are requests made by lenders in order to make you a pre-approved
credit offer or administrative inquiries requests made by lenders
to review your account with them. Requests that are marked as
coming from employers are not counted either.
- Any information not found in your credit report.
- Any information that is not proven to be predictive of future
credit performance. Whether or not you are participating in
a credit counseling of any kind.
There's a lot of information to read through on the Debt Education
website, but we feel this is extremely important material. We
strongly recommend that you bookmark
this page right now. This will allow you to read
at your leisure, and should you need to attend to other matters,
easily return back here at your convenience.
The Debt Education website was built for you. Please explore
our website. You'll find resources and information on virtually
every aspect of financial planning and money management. These
debt delp resources are designed to help you get out of debt
and stay out of debt. You can achieve financial independence.
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Debt Education PO Box 5156, Santa Cruz, CA 95063
