Final answer:
The factors that affect a credit score include the type of debt, new debt, and the duration of debt.
Step-by-step explanation:
The factors that affect a credit score include the type of debt, new debt, and the duration of debt.
Type of debt: Different types of debt have different impacts on your credit score. For example, having a mix of credit accounts, such as credit cards, installment loans, and a mortgage, can positively affect your credit score.
New debt: Taking on new debt can temporarily lower your credit score, especially if you have a limited credit history or a high amount of debt relative to your available credit.
Duration of debt: The length of time you have had a credit account open can impact your credit score. Generally, a longer credit history is viewed more positively by lenders.
Therefore, the correct answer is 4) All of the above.