Of the four answers, B (a numerical rating that expresses how likely you are to repay your debts) is correct because the definition of credit score is a mass of numbers intended to measure a person’s financial trustworthiness.


The best way to do so is by showing how often someone repays the money they owe, which may then be used by credit agencies to make a decision. Their conclusion is based in part on a person’s employment, the money that they currently owe, how long they have been loaning money for, and how often they pay off their bills. Then, these numeric components are transformed into a credit score, which may be bad, good, or perfect, based on person’s financial habits.
Alone, money in a bank account (answer C) or yearly income (answer D) are not demonstrative of reliability, just like the number of credit cards (answer A) does not show actual spending tendencies.

Components of a Credit Score chart.
Components of a Credit Score (Source: https://www.saveandinvest.org)