
Which factors are used to calculate your credit score?
1. Amount owed, highest interest rate, number of cards, delinquencies, overages
2. Gross income, number of cards, payment history, penalties, savings
3. Personal references, employment history, whether you rent or own a home, savings
4. Payment history, credit utilization, new applications, credit age, types of credit

Answer:
4. Payment history, credit utilization, new applications, credit age, types of credit