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- Location: The place that you live doesn’t have any bearing on your credit score. Even if your hometown statistically has bad credit, all that matters if how you handle your finances.
- Employment: On some occasions, information about your employment may be on your report depending on what is reported to each bureau. Although employment information may be present on your report, it is not used in calculating your score. Even if you are unemployed, that will not reflect on your credit score unless you start to miss payments.
- Income: This isn’t used in determining your credit score, although lenders may ask you for your income when applying for a loan. Lenders may also be able to estimate your income using clues found on your report such as the size of your mortgage.
- Age: Although age itself doesn’t officially factor into your score, the length of your credit history does. The longer a credit history is, the better.
- Marital status: You and your spouse have separate credit scores, unless you apply for a joint line of credit. Also, if you add your spouse as an authorized user on a credit card or if you co-sign on a loan for them, that will affect your credit.