Confused about something I read on MyFico.Com about Child Support and Rental Agreements

[Anonymous]

I was confused to see that FICO says that rental agreements and child support are not in the FICO score. When I was younger I had a judgement over a rental agreement. I always thought that child suppot in arears can be reported and picked up in bublic records. Is it on the report but not in the score? Am I misunderstanding something. Confused.    What's Not in Your FICO® Score

FICO scores consider a wide range of information on your credit report. However, they do not consider:

• Your race, color, religion, national origin, sex and marital status.
  US law prohibits 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.
  Other types of scores may consider your age, but FICO scores don't.
• Your salary, occupation, title, employer, date employed or employment history.
  Lenders may consider this information, however, as may other types of scores.
• 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.

[MarineVietVet]

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@Anonymous wrote:

I was confused to see that FICO says that rental agreements and child support are not in the FICO score. When I was younger I had a judgement over a rental agreement. I always thought that child suppot in arears can be reported and picked up in bublic records. Is it on the report but not in the score? Am I misunderstanding something. Confused.    What's Not in Your FICO® Score

FICO scores consider a wide range of information on your credit report. However, they do not consider:

• Your race, color, religion, national origin, sex and marital status.
  US law prohibits 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.
  Other types of scores may consider your age, but FICO scores don't.
• Your salary, occupation, title, employer, date employed or employment history.
  Lenders may consider this information, however, as may other types of scores.
• 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.

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Welcome to the forums.

As it is written child support is never included in scoring.

[bettercreditguy1]

Child support CAN BE reported if it is in arrears as it is a court ordered event just like a judgement. While it is not included in scoring, it CAN BE a derogatory for obtaining additional credit or financing and I can tell you from experience, Financial Institutions DO figure child support obligations into your DTI ratio, and credit capacities.