{"id":11591,"date":"2019-06-27T16:54:12","date_gmt":"2019-06-27T11:24:12","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?p=11591"},"modified":"2019-07-05T14:15:06","modified_gmt":"2019-07-05T08:45:06","slug":"10-facts-that-dont-affect-your-credit-score","status":"publish","type":"post","link":"https:\/\/www.antworksmoney.com\/blog\/10-facts-that-dont-affect-your-credit-score\/","title":{"rendered":"10 Facts that don&#8217;t affect your credit score"},"content":{"rendered":"\n<p>A lot of facts are taken into account by the credit bureaus while computing your credit score. But there are other factors which does not affect your credit score. For instance, Insurance premium payments will not <a href=\"https:\/\/www.antworksmoney.com\/Free-credit-score\">affect your credit score<\/a>? Let\u2019s now look at the ten facts that do not impact your credit score: <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">1. <strong>Overdrafts against FDs<\/strong><\/h4>\n\n\n\n<p>You need not worry about\nyour overdraft against your FD as it will not influence your credit score. Overdrafts\nare not considered to be Loans unless there is a failure in paying back to the\nbank. Hence remember that overdrafts cannot impact your credit score.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Your salary <\/strong><\/h4>\n\n\n\n<p>Your credit reports normally\ncontain info with regard to your past or present employers, but such\ninformation is not significant to your credit score. What and how much you earn\nis not considered while computing your score. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Your level of education <\/strong><\/h4>\n\n\n\n<p>Your\neducational qualification whether a graduate or post-graduate does not matter.\nCredit bureaus never ever really care about whether you have attended a college\nor not. It absolutely will not make an impact on your credit score.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>4<\/strong>. <strong>Debit Card<\/strong><\/h4>\n\n\n\n<p>Your\nusage or even the mode in which you use your Debit Card will not impact your credit score. But if lot of cheques issued by you if\nbounces back then it is sure to have an impact your credit score. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">5. Your\nnet worth<\/h4>\n\n\n\n<p>The amount standing against\nyour name in a bank or even your other financial holdings will not impact your\ncredit scores. The only thing linked to your net worth that appears on your\ncredit reports your mortgage.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>6<\/strong>. <strong>Divorce proceeds<\/strong><\/h4>\n\n\n\n<p>The money or even the alimony you pay your spouse following divorce does not impact your credit score. But, after divorce in case debts are transferred in your name or you transfer debts to another person, it will <a href=\"https:\/\/www.antworksmoney.com\/credit-counselling-services\">impact your credit score<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>7. Insurance payments<\/strong><\/h4>\n\n\n\n<p>While getting insurance\nyour credit score matters but once you secure a policy it does not matter. If you\nskip payments, then it may land you in a very sticky position, but at any rate,\nyour credit will not be affected.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>8. Rent payments<\/strong><\/h4>\n\n\n\n<p>For a lot of people, rent\nis the main check they write every month. But whatever be the case whether you\npay rent on time or not it is not going to affect your credit score. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>9. Rate of interest on loans<\/strong><strong><\/strong><\/h4>\n\n\n\n<p>It\nmakes no difference whether you pay a large amount of interest or a very small\namount on your loans. Nevertheless, your credit score can have an impact on the\ninterest rate charged by lenders. The higher your credit score, the lesser will\nbe the rate of interest on loans taken by you.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">10. Utility bills <\/h4>\n\n\n\n<p>Utility bills in your name seem in particular counter intuitive. Conversely, you will not get credit just to open a utility account. But if you screw up and land in groups, though, and your credit score is sure to suffer.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A lot of facts are taken into account by the credit bureaus while computing your credit score. But there are other factors which does not affect your credit score. For instance, Insurance premium payments will not affect your credit score? Let\u2019s now look at the ten facts that do not impact your credit score: 1. &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/10-facts-that-dont-affect-your-credit-score\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;10 Facts that don&#8217;t affect your credit score&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":11592,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-11591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-counseling"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>10 Facts that don&#039;t affect your credit score<\/title>\r\n<meta name=\"description\" content=\"All of us are aware of what is taken into consideration when the credit score of a person is computed. But there are some facts that do not impact a credit score.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.antworksmoney.com\/blog\/10-facts-that-dont-affect-your-credit-score\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"10 Facts that don&#039;t affect your credit score\" \/>\r\n<meta property=\"og:description\" content=\"All of us are aware of what is taken into consideration when the credit score of a person is computed. But there are some facts that do not impact a credit score.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.antworksmoney.com\/blog\/10-facts-that-dont-affect-your-credit-score\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Antworks Money - The Blog on Personal Finance | Guide to Loans, Credit Cards, Insurance and Investments\" \/>\r\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/antworksmoney\/\" \/>\r\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/antworksmoney\" \/>\r\n<meta property=\"article:published_time\" content=\"2019-06-27T11:24:12+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2019-07-05T08:45:06+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.antworksmoney.com\/blog\/wp-content\/uploads\/2019\/06\/10-facts-that-dont-affect-your-credit-score.png\" \/>\r\n\t<meta property=\"og:image:width\" content=\"900\" \/>\r\n\t<meta property=\"og:image:height\" content=\"449\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\r\n<meta name=\"author\" content=\"Team Antworks\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:creator\" content=\"@AntworksMoney\" \/>\r\n<meta name=\"twitter:site\" content=\"@AntworksMoney\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Team Antworks\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.antworksmoney.com\/blog\/10-facts-that-dont-affect-your-credit-score\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.antworksmoney.com\/blog\/10-facts-that-dont-affect-your-credit-score\/\"},\"author\":{\"name\":\"Team Antworks\",\"@id\":\"https:\/\/www.antworksmoney.com\/blog\/#\/schema\/person\/99145cefcc01e42af38c385eeecef0b7\"},\"headline\":\"10 Facts that don&#8217;t affect your credit score\",\"datePublished\":\"2019-06-27T11:24:12+00:00\",\"dateModified\":\"2019-07-05T08:45:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.antworksmoney.com\/blog\/10-facts-that-dont-affect-your-credit-score\/\"},\"wordCount\":498,\"publisher\":{\"@id\":\"https:\/\/www.antworksmoney.com\/blog\/#organization\"},\"articleSection\":[\"Credit Counseling\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.antworksmoney.com\/blog\/10-facts-that-dont-affect-your-credit-score\/\",\"url\":\"https:\/\/www.antworksmoney.com\/blog\/10-facts-that-dont-affect-your-credit-score\/\",\"name\":\"10 Facts that don't affect your credit score\",\"isPartOf\":{\"@id\":\"https:\/\/www.antworksmoney.com\/blog\/#website\"},\"datePublished\":\"2019-06-27T11:24:12+00:00\",\"dateModified\":\"2019-07-05T08:45:06+00:00\",\"description\":\"All of us are aware of what is taken into consideration when the credit score of a person is computed. 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