What is typically assessed when calculating a borrower's credit risk score?

The calculation of a borrower's credit risk score primarily involves analyzing various pieces of information found in a credit report. This includes the borrower's payment history, the total amount of debt, types of credit accounts, length of credit history, and inquiries into the borrower’s credit profile. These factors collectively help lenders assess the likelihood that the borrower will meet their debt obligations.

Other options suggest factors that are not typically included in the credit risk score calculation. For instance, age and employment history, education and income level, and geographic location and marital status can be relevant to a lender's overall assessment of a borrower's financial situation, but they do not directly influence the credit score itself, which is strictly derived from credit report data. This is why focusing on the comprehensive information present within a credit report is essential for determining a borrower's creditworthiness.