Question
If you are just building your payment history, how many points from a perfect score will you possibly miss?
(1 point)
Responses
297.5
297.5
85
85
255
255
127.5
(1 point)
Responses
297.5
297.5
85
85
255
255
127.5
Answers
GPT-4o mini
If you are just building your payment history, you would likely miss out on the highest possible points associated with that aspect of your credit score. Generally, payment history is one of the most important factors in determining your credit score.
According to FICO scoring models, payment history accounts for about 35% of your credit score, which is a significant portion. However, the exact number of points you miss for having no payment history can vary based on the scoring model being used.
In the context of the options you provided, the specific number of points missed relative to a perfect score can be difficult to determine without knowing the exact scoring system used. However, the common understanding is that you would miss out on 85 points if you have no payment history, as it provides a clear indication of lack of creditworthiness in that category.
So the answer would be **85**.
According to FICO scoring models, payment history accounts for about 35% of your credit score, which is a significant portion. However, the exact number of points you miss for having no payment history can vary based on the scoring model being used.
In the context of the options you provided, the specific number of points missed relative to a perfect score can be difficult to determine without knowing the exact scoring system used. However, the common understanding is that you would miss out on 85 points if you have no payment history, as it provides a clear indication of lack of creditworthiness in that category.
So the answer would be **85**.