What information goes into my credit score?

Answer: Some factors that make up a typical credit score include your bill-paying history, the number and type of accounts you have, and how much of your available credit you are using.

Here are some of the other common factors that make up a typical credit score

  • How long you have had your accounts open
  • Your recent credit activity
  • Whether you’ve had a debt referred for collection, a foreclosure, or a bankruptcy, and how old these are

There is no "one" credit score. There are many credit scoring formulas available to you as a consumer as well as to lenders, and the score will also depend on the data used to calculate it. For the most common credit scores, the information that goes into your score comes from your file at the credit reporting companies. This is why it is so important to review these files to ensure they are accurate.

By law, the calculation of your credit score can’t use or take into account factors such as:

  • Race or color
  • Religion
  • Sex (gender)
  • National origin
  • Marital status
  • Whether you have formally disputed information on your credit report


It’s important to check your credit report to make sure the information is accurate because your credit score is based on the information in your credit report.


Visit the CFPB's list of specialty consumer reporting agencies to see which reporting companies might maintain data about you.


If you have a problem with credit reporting, you can submit a complaint with the CFPB online.

Read full answer Hide full answer