What is the impact of personal information to my credit scores?
Generally, personal information does not impact your scores.
We’ll work to get your personal information deleted/removed from your credit reports. It doesn’t do any good to have it on your reports and the credit bureaus, the biggest data brokers in the world, sell that data. It is best to get all old addresses, names or misspellings of names, employers, phone numbers, spouses, etc. deleted off of your reports. It is not necessary to have your personal data in your credit report.
Your age and marital status, along with other pieces of personal information, are not used to calculate your credit score.
Your credit score is calculated based on the information in your credit report, such as your payment history, your debt-to-credit ratio, and the length of your credit history.
There are certain pieces of personal information that are not factored into your credit score and cannot be considered by lenders when evaluating your application. This information includes your age, marital status, race, religion, and gender. Generally, your salary, occupation, employer, and employment history are not considered.