Answer:
d. payment history and total debt
Step-by-step explanation:
A credit score shows how reliable a borrower is in meeting their debt obligations. It is a measure of a customer's creditworthiness. A high credit score signifies a customer is good and prompt in repaying their debts.
A customer's credit history influences a credit score. When tabulating a credit score, timely installments payments, not missing on installments, and prompt loan repayment have a considerable weight. Credit history is essentially the backbone of credit score.