Final answer:
Income history, employment history, and outstanding credit card debt are factors that can influence James' credit score.
Step-by-step explanation:
Income history is one of the factors that will influence James' credit score. Lenders want to see a consistent income stream to ensure that James is capable of repaying his debts. A stable employment history can also positively impact James' credit score as it indicates financial stability and ability to maintain a regular income.
On the other hand, the total amount of outstanding credit card debt can negatively affect James' credit score. Holding a high amount of debt relative to his available credit limit can indicate financial strain and higher risk.
While the total number of assets on its own doesn't directly impact James' credit score, certain assets like a home or car can improve his overall financial profile, potentially leading to better credit terms, such as lower interest rates or higher credit limits.
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