QUESTION 83 Of the following four individuals, who is likely to have the highest credit score? O Jed has 5 credit cards and a gas card, credit utilization of 40 % , and a perfect payment history for five years. Fred has 2 oredit cards totaling a $50,000 imit with $0 balances. ONed has a 30-year mortgage in the 10th year with a perfect payment history and the mortpage is his only debt. O Ted has 3 credit cards, credit utilization of 29% , an installment loan, a mortgage, and a perfect payment history for 3 years