What's not in your score

What's Not in Your Score

FICO® Insurance Scores consider a wide range of information on your credit report, but only as allowed by law and/or regulation. FICO® Insurance Scores are built with depersonalized data: the insurance scores do not consider:

  • Your race, color, religion, national origin, sex and marital status. FICO® Insurance Scores do not consider any of these variables. In addition, FICO® Insurance Scores do not consider any receipt of public assistance, or the exercise of any consumer right under the Consumer Credit Protection Act.
  • Your age
  • Your salary, occupation, title, employer, date employed, or employment history
  • Where you live
  • Any items reported as child/family support obligations or rental agreements
  • Certain types of inquiries (requests for your credit report). The score does not count:
    • "Consumer-initiated inquiries" – requests you have made for your own credit report to check it
    • "Promotional inquiries" – requests made by lenders to make you a "pre-approved" credit offer
    • "Administrative inquiries" – requests made by lenders to review your account with them
    • "Insurance inquiries" – requests made by insurers to assist in an underwriting decision
  • Requests that are marked as coming from employers
  • Any information not found in your credit report
  • Any information that has not been proven to be predictive of future insurance loss performance
  • Whether or not you are participating in credit counseling of any kind