What's not in your score

What's Not In Your Score

FICO® Credit-Based 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, in order to check it
    • "Promotional inquiries" – requests made by lenders in order 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