Which of the following is NOT a factor in determining credit scores?

The correct answer indicates that employment history is not a factor in determining credit scores. Credit scores are primarily calculated based on specific financial behaviors and characteristics of credit usage. Key factors include payment history, which accounts for whether bills are paid on time; length of credit history, which considers how long credit accounts have been active; and credit utilization, which measures how much credit is being used compared to the total available credit.

While employment can influence a person's ability to repay loans or credit, it does not directly impact the calculation of credit scores. Credit scoring models focus on a consumer's credit behavior rather than their employment status, making the inclusion of employment history irrelevant in this context. Understanding these factors is crucial for individuals seeking to improve or maintain their credit scores, as it directs their attention to the elements that actually influence their creditworthiness.