Which of the following likely has the highest credit score?

• Bob has 5 credit cards, credit utilization of 40% , and a perfect payment history for 5 years
• George has 3 credit cards, credit utilization of 29%, an installment loan, a mortgage, a perfect payment history for 3 years.
• Tim has 2 credit cards totaling a $50,000 limit.
• Fred has a 30 year mortgage in the 10th year with a perfect payment history and a mortgage is his only debit.