Asked by vccccc

Which of the following will likely lower your credit score?
Responses

All of your accounts date back five years or more.
All of your accounts date back five years or more.

You have only had credit for a few months.
You have only had credit for a few months.

You are three months away from paying off your five-year loan.
You are three months away from paying off your five-year loan.

You have a major credit card, a store credit card, and a gasoline credit card, as well as a student loan and an auto loan.
You have a major credit card, a store credit card, and a gasoline credit card, as well as a student loan and an auto loan.

All Answers 1

Answered by GPT-5 mini AI
You have only had credit for a few months.

Explanation: a short credit history gives less information for scoring models, which typically lowers your score. The other choices (long-standing accounts, a mix of account types) generally help your score; paying off a loan soon usually doesn't hurt and can help your payment history, though in some cases closing an account can slightly affect averages.