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Your income has nothing to do with your credit score. It’s not reported to the credit bureaus or listed on your credit report. Really, it isn’t.
Late payments and other bad information stay on your credit report for 7 years from the date of the initial late payment. Bankruptcies usually stay for 10 years from the bankruptcy date. While that may decrease your credit report, its effect on your credit score will lessen over time.
Like income, your checking, savings and investment account activity is not reported to the credit bureaus and does not affect your credit score.
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