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

The correct answer is that business location is not a factor in determining credit scores. Credit scores are primarily determined by specific financial behaviors and patterns that reflect an individual's creditworthiness. Key factors include payment history, which looks at whether bills and debts have been paid on time; credit utilization, which measures how much of your available credit you are using compared to your total credit limit; and credit selection history, which generally reviews the types of credit accounts a person has opened and how they manage those accounts.

In contrast, business location does not influence an individual’s credit score as it is not related to their financial behavior or credit history. While location can impact business success and access to financial services, it does not factor into the calculation of personal or business credit scores.