Asked by vccccc

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

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

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

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."

Why: length of credit history is a major factor in credit scores — a very short history usually lowers your score. The other choices are generally neutral or positive: having accounts that date back five years and having a mix of installment and revolving accounts usually help; paying off a loan can slightly change your credit mix but a paid, on-time installment account stays on your report and typically doesn't hurt your score.