Tess Waresmith is a young finance professional who plans to eventually buy a two-family house, live in one unit, and rent the other to help cover the mortgage payments. She is a careful money manager and every year checks her FICO credit score. She is pleased to see that it has improved from 760 last year to 775 this year. Which of these factors can explain the improvement?

A. She is now one year older and has not had any late payments on credit cards during the year.

B. Her bank on its own raised her limit on a credit card from $1,000 to $2,500, but she has maintained the same average monthly balance.

C. She applied for and received a new car loan from her credit union.

D. She refrained from checking her FICO score monthly, which some of her friends do.