Under Equal Credit Opportunity Act (ECOA) any credit scoring system followed
by a creditor will not base upon certain factors. Age is sometimes included
in certain scoring systems. FICO scores don't consider
the following.

• FICO scores don't use any information about your color, national origin,
  religion, race, marital status or sex. United States laws prevents credit
  bureaus to use these facts for calculating scores.

• Some score systems include age factor which is not used to calculate a
  FICO score.

• Salaries, occupation, job title, your employer, employment histories don't
  have any affect on your FICO score.

• Fico scores don't include any interest rates on a particular account or
  a credit cards.

• Fico score does not include any item that is repotted to be any lease agreement
  or a child support liability.

• FICO score doesn't include '"consumer-initiated"' inquiries. These inquiries
  are stated in your credit report when you get a report from the credit bureau
  for cheking errors. It doesn't include '"promotional inquiries"' which result
  when lenders request to get your credit report for giving you a '"pre-approved"'
  credit offer - or '"administrative inquiries"' which result when creditors want
  to see status of your credit account. Employer's requests too are not used
  for calculating the score.

• The information that is not recorded the credit file will not be used to
  calculate your FICO score.

• FICO score Information which is not viable to predict your credit performance in future.
• FICO score does not use your credit
  counseling activities.