Final answer:
A 10 percent raise, like the one Lisa received, does not directly affect her credit score. A raise can indirectly impact financial behavior, potentially leading to improvements in factors such as debt repayment which would affect the score over time. However, a raise on its own is unlikely to be reflected in a credit score within six months.
Step-by-step explanation:
Lisa just received a 10 percent raise. It's common for individuals to wonder if such a wage increase would impact their credit score. In truth, the effect of a raise on one's credit score is indirect at best.
A person's credit score is primarily derived from their credit history, which includes factors such as payment history, credit utilization, the length of credit history, new credit accounts, and types of credit used. Getting a raise like Lisa did doesn't directly affect her credit score because income isn't considered in credit scoring models.
However, with a higher income, Lisa might be able to pay down existing debt more quickly or catch up on past-due accounts, which could positively influence her score over time. Nevertheless, it's unlikely that a raise alone will be reflected in her credit score within six months unless it leads to changed financial behaviors that affect those credit factors.