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 708 7 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 32 high income individuals and found the sample mean credit score to be 723 1 with a standard deviation of 84 4 Conduct the appropriate test to determine if high income individuals have higher credit scores at the 0 05 level of significance State the null and alternative hypotheses Ho H H H Type integers or decimals Do not round