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Ted Daniels, Founder & CEO, Society for Financial Education and Professional Development, identified the five major categories that make up your credit history which is

Ted Daniels, Founder & CEO, Society for Financial Education and Professional Development, identified the five major categories that make up your credit history which is represented by your FICO score. The scoring model weighs some factors more heavily. The two categories that represent 65% of your FICO score are _____________. 


a. credit history and new inquires 


b. payment history and new inquires 


c. credit history and outstanding debt 


d. payment history and outstanding debt

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