November 21st, 2011

Do You Know What’s NOT In Your Credit Score?

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credit scores

Most all of us rely on credit at some point in our lives. While you may already know your credit is checked when applying for a loan or credit card, it may have also been checked when you signed up for a new cell phone plan, applied for a new apartment, or opened an account at a credit union.

Since credit affects so much of our adult lives, it’s important to know what factors go into your credit score, including open credit card utilization, percentage of on-time payments, number of derogatory marks, average age of open credit lines, total number of accounts and total hard credit inquiries. (Read more about these six factors here.)

It’s also important to understand what’s not in your credit score, especially since there are many misconceptions. Here’s a quick run-down of the factors that don’t affect your credit:

    Marital status
    Employment history
    Where you live
    Interest rates
    Payday and pawn shop loans
    Child support payments
    Rental agreements
    Participation in credit counseling.

Isn’t it comforting to know that your creditors can’t discriminate against you due to your race or gender? And that they can’t judge your creditworthiness based on your occupation?

Ch- Ch- Ch- Changes!

Even though your credit report will probably remain independent of most of the above factors, there are some changes brewing, particularly when it comes to mortgage lending.

In order to better assess a consumer’s creditworthiness, some scoring companies will begin providing an additional score especially for mortgage lenders, according to the Los Angeles Times. This score, offered by FICO, will incorporate the following previously unavailable factors:

    Payday loans
    Child support payments

In the near future, more information could be factored into these scores, such as the status of your utility, rent and cell phone payments.

But FICO’s not the first scoring company to incorporate more data into their scores. Experian, Equifax and TransUnion have started providing estimates of consumer income on credit reports, and Experian this year has started including positive data on rental payments in its reports.

For lenders, these changes mean that credit scoring models are becoming even more predictive of consumer financial behavior. For consumers, it means we have to be more cautious with actions that previously seemed unrelated to credit scoring; taking out one payday loan could soon mean the difference in being approved or denied for a mortgage.

The Future of Credit Scoring

For now, these new factors are minimal and limited. For instance, the updates in FICO’s scoring will only be available to mortgage lenders, and, for now, Experian only reports positive rental data. In other words, your missed rent payment doesn’t affect your Experian credit score.

But these changes could signal more drastic ones to come. In the future, your credit card issuer may be able to see what your interest rates are on each of your lines of credit. Or your auto loan lender might see whether or not you’re making child support payments that could make it difficult for you to also make auto loan payments.

Your Next Move

In light of these changes, don’t change a thing. That may seem counter-intuitive, but it’s true; stick to the tried-and-true good credit health moves:

These smart moves won’t steer you wrong, no matter how credit scoring changes. Keep on top of your credit report by checking your free credit report card often.

Have a Karmic day,

Bethy Hardeman, Social Media Maven

Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.


  1. I have a reported address on my profile where I have never lived. Is that a problem?

    Robert Terry Jones at 5:41 am on March 2, 2015
  2. Mike

    Thanks for your question, Robert. I can’t tell you 100% whether this is a problem or not, but I can suggest some further reading. Check out this article to get started:


    Mike at 9:20 am on March 2, 2015
  3. On my credit report! My name is only Linda wilson, Linda Larson , Linda Olivarez!
    I don’t have a Bank America account open at all!

    Linda Olivarez at 6:51 pm on March 3, 2015
  4. Mike

    Thanks for your comment, Linda. If you have any incorrect names on your report, you could contact the bureau for more information. You can find out more about that here:

    If your report is showing accounts that you don’t actually own, you could also potentially file a dispute regarding that information. You can read about that here:

    Mike at 9:38 am on March 4, 2015
  5. how when you applying for apartment do they know you have been evicted before

    wanda odell at 9:22 am on March 5, 2015
  6. Mike

    Good question, Wanda. You can read more about what a landlord may see when you apply for a new apartment here:


    Mike at 5:16 pm on March 5, 2015
  7. If there are names on my credit that is not mine or spelled wrong cang i have those creditors removed?

    Gwendolyn Rushing at 7:26 pm on March 28, 2015
  8. Jenna

    Hi Gwendolyn,

    You may not be able to dispute spelling errors, as the bureaus could find your dispute frivolous. However, you can dispute accounts that aren’t yours. You can learn how to do so here:

    Jenna at 9:36 am on March 30, 2015
  9. My ex-husband’s address several states away shows on my credit report. Besides embezzlement when we were married. Potentially, he continued to use fraudulent information for credit under my name. Is that why his address shows in my history? How would that affect me?

    Alicia LaBrecque at 1:25 pm on April 7, 2015
  10. Mike

    Thanks for your question, Alicia. While I can’t tell you specifically what’s going on in your situation, I can point you to some general info about wrong addresses on credit reports. You can find that here:

    Mike at 2:38 pm on April 7, 2015

    REGINA at 7:01 am on April 10, 2015
  12. Mike

    Thanks for your question, Regina. You can learn more about the personal information on your credit report, and what your options are, here:

    Please let me know if you have any other questions! Thanks!

    Mike at 9:21 am on April 10, 2015
  13. My ex husband’s job from 9 years ago is listed on my acnt. How do i remedy this. I would prefer not to be associated with his credit.

    Analisa Moreno at 8:37 pm on April 18, 2015
  14. Mike

    Hi Analisa – Thanks for your question. You can find out more about incorrect personal information on your credit report here:

    Mike at 11:07 am on April 20, 2015
  15. I need to update employers how?

    dan at 6:08 pm on April 25, 2015
  16. Mike

    Hey Dan – Thanks for your question. You can find out more about the personal information on your credit report, and how to update it, here:


    Mike at 12:01 pm on April 28, 2015
  17. It has Rachel Carner as one of my names and that’s incorrect

    Rachel Varner at 7:40 am on May 6, 2015
  18. Enola Guerrero

    Hi Rachel – If you are seeing this on your Credit Karma account please contact our agents here:

    Enola Guerrero at 12:24 pm on May 6, 2015
  19. theyre are 3 addresses listed on here that i know NOTHING about. someone stole my identity and i want to know how to get the addresses off how do i do that

    amber at 10:15 am on May 23, 2015
  20. I see that on my trans union account that in the employer reported section it is listed that I worked for the Elmont School District in 12/6/12 as well as Oppenheimer Funds on 3/2/12.I NEVER worked for them!Is this a problem & how can I correct this?

    Alan Begun at 4:26 pm on May 23, 2015
  21. My report has a wrong name” on it.Robert r echols is incorrect

    Robert echols at 7:36 am on May 24, 2015
  22. Enola Guerrero

    Hi Amber – If you are seeing errors on your report, please go here to steps on how to proceed:

    Thank you!

    Enola Guerrero at 10:17 am on May 26, 2015
  23. Enola Guerrero

    Hi Alan – To fix any errors you see on your report, please refer to this page on how to proceed:

    Thank you!

    Enola Guerrero at 10:22 am on May 26, 2015
  24. Enola Guerrero

    Hi Robert – Please proceed to this page on how to correct any errors you see on your report:

    Thank you!

    Enola Guerrero at 10:22 am on May 26, 2015
  25. How can your job not affect your credit rating, if your income is quite a bit higher than it was..

    Jacqui Donley at 6:31 am on June 3, 2015
  26. Enola Guerrero

    Hi Jacqui – Not all employers report to the credit bureau. Generally, employment information is used to verify your identity and does not impact your score.


    Enola Guerrero at 11:53 am on June 4, 2015
  27. I noticed an old employer on my credit report. The job was over 10 years ago, and I did not leave on the best of terms. Will this ever come off?

    Chris at 12:45 pm on June 19, 2015
  28. Enola Guerrero

    Hi Chris – Unfortunately, only credit bureaus can edit that information. Please contact the bureaus about this matter. Please note that the listed employers does not affect your credit score.


    Enola Guerrero at 10:16 am on June 24, 2015
  29. I received an email from Credit Karma saying that a n address has been added to my account. How do I check this in case it is an error

    Beverly McDevitt at 6:46 am on July 8, 2015
  30. Enola Guerrero

    Hi Beverly – You can find this information in your full credit report. If you are having trouble, you can contact our support department here:


    Enola Guerrero at 2:47 pm on July 8, 2015
  31. one of my employer name is wrong, it should be cvs pharmacy.instead of cbs pharmacy.

    marie moses at 8:09 am on July 13, 2015
  32. I did not retire from koch food, I quit in 2006. Why is it on my report like this?

    Randy Mullins at 12:08 pm on July 13, 2015
  33. Enola Guerrero

    Hi Marie – To fix any errors on your credit report, please go here:


    Enola Guerrero at 12:17 pm on July 14, 2015
  34. Enola Guerrero

    Hi Randy – To fix any errors you see on your report, please go here:


    Enola Guerrero at 12:19 pm on July 14, 2015
  35. I would like my current address to show on my credit report how do I get that done, thanks for your help.

    Hector Mancillas at 5:17 pm on August 19, 2015
  36. Enola Guerrero

    Hi Hector – Since this can only be edited by the bureaus, I suggest contacting them directly about this matter:


    Enola Guerrero at 12:00 pm on August 20, 2015
  37. My name is listed different on several this. My full name is Marsha Linn (Bideler- maiden name) Westbrook. My husband is deceased as of August 2013. I lost my job in October 2014. I work part time at a retail store. The bankruptcy didn’t go through. It was discharged. My husband in and out of the hospital and doctor bills, took away most of our income. I don’t want to loose my house. The bathroom is molded, the roof leaks, the ceiling on the addition is about to cave in. I live by myself and cut back on as many bills as I can. What else can I do. Sprint double charged us for 2 phones and wouldn’t make it right.

    Marsha Westbrook at 12:02 am on August 25, 2015
  38. Enola Guerrero

    Hi Marsha – To dispute any errors on your report, please go here:


    Enola Guerrero at 4:29 pm on August 25, 2015
  39. You guys need to remove the name may m Yang or something like that I am not a yang I am a Lo.on all the names that show there. I don’t go by those name…I only go on May M. Lo or May Mai Lo only. And I have a question I never had car accident before at fault why do my report on car insurance has that. Never had car accident every 15 to 20 years.

    May MaI Lo at 10:55 am on September 26, 2015
  40. You have me listed as living on Tippecanoe St in San Bernardio. I have NEVER there. Please take that off my report. I can give you all the places I have lived, but that one is wrong.

    Maryann Hearn Bowman at 7:13 pm on September 27, 2015
  41. Enola Guerrero

    Hi May – To fix any errors you see on your credit report, you can dispute them by going here here:


    Enola Guerrero at 11:58 am on September 29, 2015
  42. Enola Guerrero

    Hi Maryann – To fix any errors you see on your report, please file a dispute with the credit bureau here:


    Enola Guerrero at 12:11 pm on September 29, 2015

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