The information that impacts a credit score varies depending on the score being used. Credit scores are only affected by elements in your credit report, such as: * number and severity of late payments * type, number and age of accounts * total debt * recent inquiries if a business card/corporate card or gas card does not appear on your credit report, it will not affect your score. Credit scores do not consider: your race, color, religion, national origin, sex or marital status. U.s. Law prohibit’s credit scoring from considering these facts, as well as 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. However, lenders may consider this information in making their approval decisions. * 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. * Certain types of inquiries (requests for your credit report). The score does not count consumer disclosure inquiry

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