7 Things That Are Not On Your Credit Report (2024)

FAQs

What information is not on your credit report? ›

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.

Insufficient credit history means you have no proven track record with creditors that lend money or other assets. This prevents lenders from assessing your credit risk. Insufficient credit history means you have no proven track record with creditors with regard to borrowing money or other assets.

Common monthly bills that have no direct impact on your credit score: Utilities (gas, water, and electric service) Insurance payments (auto, renter and homeowner insurance, etc.) Bills from medical providers.

Your credit report does not include your marital status, medical information, buying habits or transactional data, income, bank account balances, criminal records or level of education. It also doesn't include your credit score.

Errors made to your identity information (wrong name, phone number, address) Accounts belonging to another person with the same or a similar name as yours (mixing two consumers' information in a single file is called a mixed file) Incorrect accounts resulting from identity theft.

Sometimes, credit reports can appear to have incorrect information, such as an open account you don't recognize or items you don't recall paying for. This could be due to an error or possible fraud.

Key Takeaways

A person or business is considered to have bad credit if they have a history of not paying their bills on time or they owe too much money. Bad credit for individuals is often reflected in a low credit score, typically under 580 on a scale of 300 to 850.

What three things should you avoid doing so your credit score won't be affected? ›

Not checking your credit score often enough, missing payments, taking on unnecessary credit and closing credit card accounts are just some of the common credit mistakes you can easily avoid.

Some other monthly bills that, if paid on time and reported to the credit bureaus, could help you build credit include: Credit card payments, including secured credit cards and student credit cards. Installment loans like student loans and auto loans. Mortgages.

The Takeaway. With rent, phone bills, electric bills, and other utilities, on-time payments or one late payment won't make any difference to your credit score, because they're not considered credit accounts by the three major credit bureaus.

Utility, cable, internet and phone bills

Paying your utility bills or bills related to cable, internet and the phone typically won't help your credit score. That's because these types of companies typically don't report payments to the credit bureaus.

If your savings account doesn't have an overdraft facility, it might not be considered a 'credit account' and may not show up on your report. If an account is more than 6 years old, it could be missing from your report because it's unlikley that the credit reference agencies will still hold this older data.

Information that does not appear on your credit report

Marital status. Income. Bank account details. Education.

What Type of Information Is Not Found on a Consumer's Credit Report? Information not included on your credit report includes your personal buying habits, your marital status, your medical information, bank or investment balances, your education history, criminal records, and your credit score.

Final answer: The FICO score is not included on your credit report. Credit reports contain information about unpaid accounts, companies accessing your report, and your Social Security number.