Let's examine the information provided in the table:
| Factor | Percent affects score | Max # of points |
|--------------------------------|-----------------------|-----------------|
| Payment history | 35% | Max \# of points|
| Amount owed | 30% | 297.5 |
| Length of credit history | 15% | 255 |
| New credit | 10% | 127.5 |
| Types of credit | 10% | 85 |
We need to identify which factor affects the credit score the least by looking at the "Percent affects score" column.
1. Payment history: 35%
2. Amount owed: 30%
3. Length of credit history: 15%
4. New credit: 10%
5. Types of credit: 10%
Among these percentages, the smallest percentage is 10%. Since both "New credit" and "Types of credit" have the same percentage, they both equally affect the credit score the least.
However, the problem presents us with four choices:
A. Payment history
B. Length of credit history
C. Amount owed
D. New credit
Given the options and the percentages:
- New credit has the least impact on the credit score with a percentage of 10%.
Therefore, the answer is:
D. New credit
