Which factor does NOT affect a credit score?

A credit score is influenced by several key factors, which reflect an individual's creditworthiness and financial behavior. The factor that does not affect a credit score is the age of the individual.

Credit scores are determined based on a variety of criteria, primarily focusing on financial behaviors rather than personal demographics such as age. Elements like payment history and credit utilization are vital because they provide a clear picture of how reliably an individual repays debts and manages credit resources. Types of credit used also come into play, as this indicates a borrower's experience with different credit options, which can shape their score.

Since credit scoring models are designed to assess responsibility in managing credit, they do not consider an individual's age, making this factor irrelevant to the calculation of a credit score.