Option A is the correct answer:
"A. A cumulative sum of creditworthiness."
FICO scores are a type of credit score that is used by lenders to evaluate a borrower's creditworthiness. FICO scores are calculated based on several factors, including payment history, amounts owed, length of credit history, new credit, and types of credit used. The scores range from 300 to 850, with higher scores indicating a better credit history and a lower risk for the lender.