From the Fair Isaac MyFICO website:
FICO scores consider a wide range of information on your credit report. However, they do not consider:
- Your race, color, religion, national origin, sex and marital status. – US law prohibits credit scoring from considering these facts, as well as any receipt of public assistance, or the exercise of any consumer right under the Consumer Credit Protection Act.
- Your age. – Other types of scores may consider your age, but FICO scores don’t.
- Your salary, occupation, title, employer, date employed or employment history. Lenders may consider this information, however, as may other types of scores.
- Where you live.
- Any interest rate being charged on a particular credit card or other account.
- Certain types of inquiries (requests for your credit report). – The score does not count “consumer-initiated” inquiries – requests you have made for your credit report, in order to check it. It also does not count “promotional inquiries” – requests made by lenders in order to make you a “pre-approved” credit offer – or “administrative inquiries” – requests made by lenders to review your account with them. Requests that are marked as coming from employers are not counted either.
- Any information not found in your credit report.
- Any information that is not proven to be predictive of future credit performance.
- Whether or not you are participating in a credit counseling of any kind.