The Things That Don’t Affect Your Credit Score

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Content Manager

Bethany Hickey is a Content Manager and Writer for Auto Credit Express, CarsDirect, and many other automotive blogs. She's a graduate from the University of Michigan-Flint, with a bachelor’s in English-Writing. 

, Content Manager - July 20, 2020

There are many factors that impact your credit score, but there are also many things that don’t. We outline what will and what won’t lower your credit score.

What Doesn’t Impact Your Credit Score

What kind of coffee you buy in the morning won’t impact your credit score, but whether or not you used an overextended credit card to buy that coffee can. Your FICO credit score doesn’t care so much as to who you are as a person since it’s more worried about how you handle credit (borrowed money).

Much of your daily life and background isn’t going to improve or hurt your credit, until your daily life starts to influence your finances and spending habits. To give you some peace of mind, here’s a list of things that won’t impact your FICO credit score:

  • Race, religion, nationality, sex, or marital status
  • Age
  • Address or where you live
  • Interest rates on your loans or revolving credit
  • Salary or employment history
  • Items reported as child support or family support
  • Whether or not you’re in credit counseling
  • Soft inquiries (such as promotional offers or you checking your own credit)
  • Any information that isn’t listed on your credit reports

We reference the FICO credit scoring model because that’s the one most used by auto lenders – and most other types of lenders for that matter. There are a few out there, but your FICO credit score is very likely to be reviewed if you apply for new credit.

What Does Affect My Credit Score?

You should also know what does affect your FICO credit score. If you’re getting ready to apply for new credit, such as a car loan, knowing what impacts your credit score can help you know where you could improve.

The five main aspects of your FICO credit score are:

  • Payment history: 35% – How you handle repaying credit, as well as how you’ve handled doing so in the past
  • Amounts owed: 30% – How much money you owe overall across all of your credit accounts, as well as your credit utilization ratio on credit cards
  • Length of credit history: 15% – How long you’ve had credit
  • Credit mix: 10% – How many different types of credit you have
  • New credit: 10% – How many times you’ve applied for credit recently

A better credit score usually leads to a higher chance of getting approved for credit, and lenders take that three-digit number seriously. One of the best things you can do to improve your credit score is paying your bills on time, and keeping your credit card balances low. Your payment history and amounts owed are the biggest players in formulating your credit score, and by simply making your loan and credit card payments on time, it's going to help your credit over time.

Ready for New Credit?

Now that you’re armed with the knowledge of what can and can’t affect your credit score, you can start shopping for new credit with confidence. An understanding of the complicated world of credit can really help your chances of getting approved, since you can work to build your credit score to the best of your ability.

However, if your credit score isn’t the greatest or you’re a new borrower, you may run into some issues being considered for a loan. And if you need a vehicle, it can be frustrating to be denied on grounds of your low credit score. We want to help with that!

Here at CarsDirect, we match bad credit and no credit borrowers to dealerships with the lending options they need to get on the road with their next auto loan. To get started, fill out our free car loan request form, and we’ll look for a dealer in your area that works with bad credit auto lenders.


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, Content Manager

Bethany Hickey is a Content Manager and Writer for Auto Credit Express, CarsDirect, and many other automotive blogs. She's a graduate from the University of Michigan-Flint, with a bachelor’s in English-Writing. 

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