Tamara is short on rent this month and does not have a credit score. While searching for borrowing options, she realizes she has a pawnshop near her apartment that will loan her enough money. However, the pawnshop requires an object of value as collateral to mitigate risk as a lender. Tamara offers a family heirloom as collateral (valued by the pawnshop at $2,000) for a loan of $800. The pawnshop needs $900 in three months to return Tamara's heirloom Assume Tamara has no credit and no history of borrowing. What are the two most important contributors to a credit score and what could Tamara do to build her credit score in each area?