What type of information is included in a credit score?

A credit score is a numerical representation of an individual's creditworthiness, which is calculated based on several specific factors gathered from their credit report. The correct choice encompasses the key elements that contribute to the formation of a credit score.

Personal information such as your name, address, and Social Security number is foundational as it helps identify the individual. Public records, which may include bankruptcies, liens, or judgments, also play a significant role by indicating financial responsibility and trustworthiness. Additionally, inquiries reflect how many times your credit report has been checked, which can influence your score—frequent inquiries might signal financial distress. Most importantly, account history—encompassing the types of credit accounts (like credit cards and loans), payment history, and overall debt utilization—forms the core of how credit scores are calculated.

The other options do not provide a complete or relevant overview of the factors that inform a credit score. For instance, credit card limits and investment accounts are not used directly in calculating a credit score; rather, it's the management of credit accounts that matters. Similarly, while employment history is a relevant financial factor, the number of dependents is not included in credit scoring models. Having only active loans and balances also does not reflect the nuances of one’s financial