Your credit report does not include your marital status, medical information, buying habits or transactional data, income, bank account balances, criminal records or level of education. It also doesn’t include your credit score.

What information goes into creating a credit score?

Credit scoring models generally look at how late your payments were, how much was owed, and how recently and how often you missed a payment. Your credit history will also detail how many of your credit accounts have been delinquent in relation to all of your accounts on file.

What is a credit score and what goes into creating it?

FICO Score and VantageScore both range from 300 to 850 and incorporate five factors into the scoring model, all of which come from your credit report created by a credit bureau. These factors include payment history, amounts owed, average age of accounts, types of credit in use, and new credit.

How is credit report information used to calculate credit score?

Your accounts, payment history, and inquiries into your credit are examples of credit report information used to calculate your credit score. 1 When you apply for a credit card or loan, the creditor or lender uses your credit score to inform their decision on whether to issue you credit or not.

What kind of information does not show up on credit report?

More importantly, none of this personal information affects your credit score. Other personal information, such as your salary, occupation, employer, or employer history also won’t appear on your credit report and has no direct bearing on your scores.

Do you need to check your credit score?

Checking your scores will not harm them in any way.) Your credit report does not contain information about your gender, race, religion, national origin, marital status, political affiliation, medical history, criminal record, or whether you receive public assistance.

What do Lenders look for in a credit score?

The higher the score, the better a borrower looks to potential lenders. A credit score is based on credit history: number of open accounts, total levels of debt, and repayment history, and other factors. Lenders use credit scores to evaluate the probability that an individual will repay loans in a timely manner. 1  2