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Credit reports and scores

What information goes into my credit score?

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

  • Your bill-paying history
  • The number of accounts you have and what kind
  • How much of your available credit you are using
  • 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

Tip: 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.

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

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

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