What is NOT a factor that affects your credit score?

Employment history does not directly impact your credit score. Credit scoring models typically focus on factors that reflect your credit behavior and reliability in managing debt rather than your employment status. Elements like the length of your credit history, the amount you owe compared to your credit limits, and the types of credit accounts you utilize—such as revolving credit accounts and installment loans—are critical components that lenders assess to evaluate your creditworthiness. These factors help indicate how well you manage existing credit and predict potential future behavior, whereas employment history may be relevant to lenders in terms of income verification but does not factor into the credit scoring process itself.