John, My date of birth is on my credit reports. It’s not hard to determine my age. Do creditors look at that and do credit scores look at that?

Answer You’d be surprised to learn that considering your age is NOT illegal or prohibited. Think about your insurance premiums…they are certainly determined by your age, and a variety of other things. In fact, the Equal Credit Opportunity Act outlines how age CAN be used by lenders as long as they compensate its negative influence on protected classes (the elderly). So, the short answer to your question is no, it does not count. But, it doesn’t count not because of its legality.