Personal Information Variance

Credit Impact

The personal information variance in your credit reports is by far, the most overlooked and underestimated part of your credit.

Most people feel that your personal information does not impact your ability to obtain credit.

They feel this way because the three credit bureaus (Experian, Equifax, and TransUnion) have stated that, “[Personal] information such as race, gender, where you live and marital status is not used in credit scores.” – Experian.

And that is absolutely correct.

FICO scores don’t take into account whether you are male/female, white/black/purple/etc…, live in a high-income crime-free neighborhood or low-income high crime neighborhood.

But, your personal information variances CAN impact your ability to get credit.

What are these variances?

Names, addresses, phone numbers, employers, and social security number variances.

What do you think happens when a lender pulls your credit reports and discovers you have 2 social security numbers in your credit file?

This is actually more common than you would think.



Another factor lenders consider is stability.

Having lots of different addresses on your credit reports makes you look like you move around a lot – which is a sign of instability.

Having many different employers on your reports makes you look like you change jobs often – another bad sign.

Lenders want to lend money to stable individuals who have been at the same employer for a while and at the same address.

A stable job means a stable income and a stable residence means stable expenses.

Lenders want to know that they are going to get their money back and stability can be one of the most important determining factors in their risk calculation.

This is why it is so important that you review your credit reports and work on removing any inaccurate or outdated information.

Make your credit report look as stable as possible to give yourself the greatest chance at a good interest rate loan.’s services include working on the removal of any outdated or inaccurate personal information such as incorrect names, addresses, phone numbers, employment information, incorrect/multiple social security numbers, incorrect date of birth, etc… from our clients’ credit reports in our standard $49.99 a month plan.

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