Question $35(2\mathrm{.}5$ points$)$

Which of the following individuals most likely has the highest credit score?

Candace has $4$ credit cards, credit utilization of $50\%,$ and a perfect payment history for $10$ years.

Perry has $1$ credit card with a $$50,000$ limit$.$

Ferb has a $30-$year mortgage in the $10$ th year with a perfect payment history and the mortgage is his only debt.

Phineas has $2$ credit cards, credit utilization of $15\%,$ an installment loan, a mortgage, and a perfect payment history for $3$ years.