A credit score is based in part on:

Aemployment and race.
Bincome and location.
Cemployment and trust.
Dpayment history and total debt.

Question

04-11-2026
Business

Answered

A credit score is based in part on:

Aemployment and race.
Bincome and location.
Cemployment and trust.
Dpayment history and total debt.

Verified Answer :

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GinnyAnswer GinnyAnswer · Answer 1 · 2026-11-04T14:19:24-05:00

Final answer:

A credit score is primarily influenced by payment history and total debt. These factors are essential in determining your creditworthiness. Employment, race, income, and location do not directly affect credit scores.

Explanation:

Understanding Credit Scores

A credit score is an important numerical representation of an individual's creditworthiness, commonly used by lenders to assess the risk of lending money to a potential borrower.

The correct answer from the provided options is payment history and total debt. These two factors are crucial components of a credit score. Here’s how they contribute:

Payment History: This reflects whether you have paid your bills on time. Late payments can significantly lower your credit score.
Total Debt: This is the total amount of debt you carry, including loans and credit card balances. High levels of debt in relation to your available credit can also decrease your score.

In contrast, factors like employment and race, income and location, or employment and trust are not directly used in calculating credit scores. Accurate assessment of your creditworthiness relies heavily on your payment history and the total amount of debt you owe.

Learn more about credit score here:

https://brainly.com/question/51572783

A credit score is based in part on: Aemployment and race.Bincome and location.Cemployment and trust.Dpayment history and total debt.

Verified Answer :

Final answer:

Explanation:

Understanding Credit Scores

Learn more about credit score here:

Related Questions

A credit score is based in part on:

Aemployment and race.
Bincome and location.
Cemployment and trust.
Dpayment history and total debt.