Question

a credit score is based in part on
employment and race,
income and location,
employment and trust,
payment history and total debt.

Explanation:

A credit score is determined by factors related to a person's creditworthiness. Payment history (how consistently one pays debts) and total debt (the amount of debt owed) are key components of credit scoring. Employment, race, income, location, and trust are not standard factors in calculating credit scores.

Answer:

D. payment history and total debt