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Credit Score Myths — What Does Not Affect Your Score

Written by: Kristy Welsh

Last Updated: September 25, 2017

Knowing your credit score allows you to make changes and improvements to your overall credit profile. But did you know, 42 percent of Americans fail to regularly check their score which is equivalent to a financial grade point average. As one senior director of Visa, Inc. puts it, "not checking your credit score at least once a year is like driving with your eyes closed, you are risking a financial collision."

Myths Surrounding Credit Scores

Your credit score impacts your ability to get a home loan to being hired for a job. But do you really know what does and does not affect your score? According to a study done by Visa, Inc., many Americans don't know what goes into determining a credit score. In the study, 60 percent of those surveyed thought employment history factored into their credit score and 17 percent thought gender was a factor. These people are wrong on both assumptions.

Below are the percentages of respondents who incorrectly thought these factors were included in determining their credit score:

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Factors Which Do Not Affect Your Credit Score

The reality is, the above mentioned factors do not have the slightest affect on your credit score. It would be illegal for Fair Issac to consider race, religion, birthplace, gender, or marital status when determining your credit score. According to, here is a list of what is not considered in your FICO score:

Now, we are not saying nobody cares about such things as your income or work history. A landlord or loan officer will likely want to know about your salary or employment history but it in no way affects your credit score.

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