Suppose Mortgage Life would like to develop a regression model that would predict a person's credit score based on their weekly income, years living in their current residence, and gender (Male = 0, Female = 1). The following data represent the values for the independent and dependent variables from a random sample of adults.

Credit Score Income Residence Gender 546 $484 1 Male 601 $636 18 Male 610 $953 13 Male 829 $1,949 19 Female 643 $1,169 12 Male 652 $1,391 8 Male 787 $1,922 11 Female 669 $1,402 9 Male 775 $1,873 5 Female 688 $1,485 11 Male 740 $1,846 3 Female 690 $1,521 17 Male 710 $1,716 13 Male 720 $1,738 11 Female 725 $1,801 15 Female 690 $1,679 12 Male