Credit scores are compiled from information sources relating to credit, such as number of credit accounts held, balances on each account, dates of collection activity, and so on. Credit scores do not measure any financial or personal activity that is not related to credit, and identity fraud that does not involve credit will not appear on your credit report or affect your credit score. Credit scores and the credit scoring system are also very predictable—there are specific steps you follow to improve your credit score, dispute errors in credit reports, etc.