Given that Derek has a total debt of $11,650 and a total credit limit of $16,000, and that Erica has a total debt of $7,250 and a total credit limit of $12,000, who is more likely to have a higher credit score? Justify your choice.\ \ Select the correct answer below:\ \ \ Derek has a higher credit score because he has a lower debt-to-credit ratio.\ \ Derek has a higher credit score because he has a higher debt-to-credit ratio.\ \ Erica has a higher credit score because she has a lower debt-to-credit ratio.\ \ Erica has a higher credit score because she has a higher debt-to-credit ratio.