Education level does not affect credit scores

Dear Experian,

I just graduated and read somewhere that the higher your education the higher your score.  How do I inform Experian to add my bachelor’s degree completion?



Dear FNS,

I’m afraid your source was incorrect. Education level is not part of a credit report, so has no bearing on credit scores.

Information in your credit report pertains only to debt-related information. So, your loans and credit cards will be reported, as well bankruptcy, tax liens, and civil judgments. Tax liens are a debt you owe to the government. Civil judgments are a debt you owe through the courts.

You won’t find any information about income, investments, or assets such as stocks or bonds. Likewise, there is no information about savings accounts, checking accounts, certificates of deposit or other non-debt banking relationships.

Typically, you provide that information when you apply for credit, along with your education level, if asked. A higher education level might be considered by a lender, but it doesn’t come from your credit report.

Thanks for asking.

- The “Ask Experian” team