1. The five most important factors that affect your FICO score are:
a. Your age, income, payment history, types of credit you use, and how much you owe.
b. Your payment history, how much you owe, how long you have had credit, your last application for credit, and the types of credit you use.
c. How much you owe, your income, your payment history, your age, and how long you have had credit.
d. Your payment history, how much you owe, how long you have had credit, types of credit you use, and your income.