Question: Why does Thomas have a lower credit score than Julia? Why does Julia have a score in the 7 0 0 s ? Select only

Why does Thomas have a lower credit score than Julia? Why does Julia have a score in the 700s? Select only one response.
Select the correct answer below:
Julia has a credit score in the 700s because she has a shorter credit history and makes a higher percentage of her loan payments on-time, compared to Thomas.
Thomas has a lower credit score because he made a lower percentage of loan payments on time andhas a longer credit history, compared to Julia.
Julia has a credit score in the 700s because shehas a longer credit history and makes a higher percentage of on-time loan payments, compared to Thomas.

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