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What Information Determines My Score

What Type of Data is Used to Calculate My Credit Score?

Your credit score is based on credit-related information-both positive and negative-in your credit-bureau file, including:

  • Payment history

  • Outstanding debts

  • Credit history

  • Inquiries and new account openings

  • Types of credit in use

    • What Type of Data is NOT Used to Calculate My Credit Score?

    Your credit score is not based on information about your race, color, national origin, religion, gender, marital status, or age. It also doesn't use information about your income or assets. However, income, assets, and other factors are used in other ways by lenders to help them decide whether to lend you money.



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