A credit score is used by credit agencies such as mortgage companies and banks to assess the creditworthiness of Individuals Values range from 300 to 850 with a credit score over 700 considered to be a quality credit risk According to a survey the mean credit score is 707 2 A credit analyst wondered whether high income individuals incomes in excess of 100 000 per year had higher credit scores He obtained a random sample of 33 high income individuals and found the sample mean credit score to be 725 3 with a standard deviation of 80 9 Conduct the appropriate test to determine if high income individuals have higher credit scores at the a 0 05 level of significance State the null and alternative hypotheses H i H H P Type integers or decimals Do not round Identify the t statistic to Round to two decimal places as needed Identify the P value P value Round to three decimal places as needed Make a conclusion regarding the hypothesis the null hypothesis There of high income individuals is sufficient evidence to claim that the mean credit score