What's not on my credit report?

Your credit report does not list your bank accounts whether checking or savings accounts. It also does not list mortgage loans, utility bills, medical bills, gas credit cards or other major assets. These types of items will show on your credit report when a debt collection has been initiated against you.

Credit 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.
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.
Any items reported as child/family support obligations or rental agreements.