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Credit scores are not based on employment status or history, so it is possible to have a high credit score whether or not you are employed or ever have been. In fact, credit bureaus do not even have access to your employment information, so it does not appear on your credit report at all.

Of course, if you do not have a job, it is possible that you may have had trouble paying some of your debts, but that is not always the case. There are many circumstances that could lead to someone not having employment history but always paying bills on time and having excellent credit history.

The elements of a credit score include:

  • Payment history
  • Length of credit history
  • How frequently you apply for new credit
  • Total amount owed relative to total available credit
  • Types of credit used (a mix of types is preferred – mortgage, credit card, installment and revolving)

Employment history is not considered in your score, so it is very possible to have a high credit score regardless of your employment status or history. The credit card issuer will, however, ask about employment in addition to looking at your score.