Income and salary are not included in your credit score calculation. While lenders may ask for this information when you apply for a credit card or loan, it is not reported to credit bureaus and does not influence your credit score directly. Credit scores are based on how you manage your credit—not how much you earn. Your ability to make payments is judged by your track record of managing debt, not your income level. That said, higher income can help you qualify for better credit products, since it affects debt-to-income ratio, but it won’t boost your score on its own.