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What’s Not in a Credit Score?

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What's Not In Your Credit Score

A credit score, which is calculated from information gathered on your consumer credit report, says a lot about how you handle credit, but it doesn’t include everything about your financial life.

There is a whole bunch of personal information that you never have to worry about being factored into a credit score. Here’s a look at all the things you won’t find on a consumer credit report and therefore won’t be factored into your credit score.

Old Credit Information

A bankruptcy that is more than 10 years old, a charged-off credit account or a collection account that is more than seven years old, won’t be reported on your credit report and no longer impacts your credit score.

Certain Personal Information

Your credit report does not contain information about your gender, race, religion, marital status, political affiliation, medical history or criminal record and whether you receive public assistance. And none of this personal information affects your credit score. However, your credit report may display the name of your current or former spouse if you have any accounts in both of your names.

Interest Rate Data

Your credit report does not contain the interest rates that you pay for credit card and loan accounts. Your credit report will list your balance, amount due, amount paid and whether a credit card or loan account is past due, but not the interest rate.

Most Utility Payments

On-time monthly payments for services like telephone, electric, water, cable, Internet, etc. are not reported by most utility companies to the three national credit bureaus, which store information for consumer credit reports. Because of this, on-time utility payments are not considered in most consumer credit reports.

Keep in mind utility companies will report defaulted accounts or accounts that are turned over to collection to the credit bureaus. So unpaid utilities accounts will be noted on your credit reports and they will impact your credit scores.

Curious about your credit score? The free Credit Report Card from will give you a look at your credit scores and explain what factors are hurting or helping you.

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  • Mel Paul

    article never did get to “how does age ” affect your credit score
    does the writer want to fill the gap

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