A credit score is based in part on... a. employment and race
b. income and location
c. employment and trust
d. payment history and total debt

d. payment history and total debt

Explanation:

A credit score shows how reliable a borrower is in meeting their debt obligations. It is a measure of a customer's creditworthiness. A high credit score signifies a customer is good and prompt in repaying their debts.

A customer's credit history influences a credit score. When tabulating a credit score, timely installments payments, not missing on installments, and prompt loan repayment have a considerable weight. Credit history is essentially the backbone of credit score.

i might look it up later.

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