What are the top two factors in your FICO score?

I. payment history
II. income
III. length of credit history
IV. debt amounts
V. types of credit used
VI. age

Correct Answer: I and IV

Note that both your credit score and income are important for getting a loan, but your income does not directly affect your FICO score. Credit scores don't depend on current economic conditions.

Age is not a factor considered, but is highly correlated with credit score.