Your criminal past
Relax: That arrest for trespassing when you were a teenager won't affect your credit. That's because it won't show up on your credit report.
Credit bureaus don't include criminal records on credit reports, says Ulzheimer.
However, there are three exceptions.
First, if you have a financial blunder that also involves the court system, such as a judgment or lien, it will show up on your credit report.
Child support payments can also show up as a regular debt on your credit report, says Griffanti.
Lastly, if you receive a fine or ticket, don't pay it and it goes to collection, then that collection activity could show up on your report. But it would appear as a debtor trying to collect an overdue debt. There wouldn't be any details on the initial infraction, says Griffanti.