Final answer:
Default on a loan is a factor that influences your credit score. Number of dependents can also impact your credit score. Race or ethnicity and address of record do not affect credit scores.
Step-by-step explanation:
The factor that influences your credit score is default on a loan. When a person fails to make payments on a loan or credit card, it negatively impacts their credit score. This is because it shows a lack of responsibility in managing debt. Other factors that can influence credit scores include the number of dependents a person has, as having more dependents may affect their ability to meet financial obligations. However, factors such as race or ethnicity and address of record do not directly influence credit scores.
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